Cyber Insurance Cost Calculator
Last updated: October 15, 2026
Estimate a planning budget for cyber insurance premiums using revenue, employee count, risk level, coverage and deductible assumptions.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated annual cyber insurance premium
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- Estimated monthly premium: —
- Base revenue component: —
- Employee exposure component: —
- Premium as percentage of revenue: —
On this page
Quick summary: Estimate a planning budget for cyber insurance premiums using revenue, employee count, risk level, coverage and deductible assumptions.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a planning budget for cyber insurance premiums using revenue, employee count, risk level, coverage and deductible assumptions.
How to use it
Enter Annual business revenue ($); Number of employees; Base rate per $1,000 revenue ($); Additional annual cost per employee ($); Industry and controls risk multiplier; Coverage-limit multiplier; Deductible credit (%). Select Calculate to update the results.
How the calculation works
The calculator combines editable revenue and employee exposure components, then applies risk, coverage and deductible adjustment factors.
Worked example: starting scenario
| Annual business revenue ($) | 5000000 |
|---|---|
| Number of employees | 50 |
| Base rate per $1,000 revenue ($) | 0.45 |
| Additional annual cost per employee ($) | 18 |
| Industry and controls risk multiplier | 1.25 |
| Coverage-limit multiplier | 1.1 |
| Deductible credit (%) | 5 |
| Estimated annual cyber insurance premium | $4,114.69 |
|---|---|
| Estimated monthly premium | $342.89 |
| Base revenue component | $2,250.00 |
| Employee exposure component | $900.00 |
| Premium as percentage of revenue | 0.08% |
Important limitations
Cyber premiums depend on data types, controls, claims, vendors, revenue, limits, sublimits and underwriting. The formula is a budgeting model, not an insurer rating plan or quote.