Work out cyber insurance cover instantly with clear inputs, formula shown and shareable results.
Cyber exposure has two main components: per-record breach response cost covering forensics, notification, credit monitoring and regulatory fines, and business interruption from systems being unavailable. Ransom and extortion exposures sit on top and are usually separately sub-limited.
Breach response cost
Breach cost = Records held x Cost per record
Business interruption
BI cost = Cost per day x Expected outage days
Limit
Limit = Breach cost + BI cost, rounded up
Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.
Published breach studies put it in the range of USD 150-400 depending on sector, with healthcare and financial services at the top.
Sometimes, where insurable by law in the relevant jurisdiction. Many fines are uninsurable as a matter of public policy.