Compare cyber insurance quotes by premium, retention and limit against a loss scenario you choose.
Cyber insurance policies differ in premium, retention (the amount you pay before coverage starts) and limit (the most the insurer will pay). This tool compares up to three quotes you enter against a single scenario loss, so you can see which combination costs least if that loss happens.
Formula: covered amount = the smaller of (scenario loss minus retention, floored at zero) and the limit. Your out-of-pocket loss = scenario loss minus covered amount. Combined cost = annual premium + out-of-pocket loss. In the default example, a $150,000 loss with Quote A (retention $10,000) leaves $10,000 uncovered, so combined cost is $2,400 + $10,000 = $12,400.
The defaults are illustrative inputs, not real quotes or typical premiums. Try several scenario amounts, because a low-premium, high-retention policy can look best for a small loss and worst for a large one.
Limits: the calculator ignores sub-limits, waiting periods, exclusions, coinsurance, panel vendor requirements and the likelihood of a loss. Real policies often cap ransomware, social engineering or business interruption separately. Read the policy wording and ask a licensed insurance broker to explain the exclusions before you buy.
Pricing and Comparison
Learn what cyber insurance covers, the security controls insurers commonly require, what drives premiums and retentions, and how to compare quotes without overlooking exclusions.
