Cyber insurance cost estimator
Estimate the potential financial impact of a cyber incident on your business, and see an illustrative annual insurance cost band. Figures are illustrative — real quotes depend on individual underwriting.
Forensic investigation, legal advice, notification costs.
Assumptions and methodology
Potential disruption cost = days disrupted × daily revenue/operating cost. Incident exposure adds the incident-response cost. Illustrative insurance cost bands are by employee count from config/assumptions.ts, clearly labelled as not a quote.
Common mistakes to avoid
- ✕Assuming your existing business insurance covers cyber incidents — most standard policies do not.
- ✕Underestimating recovery time — a ransomware attack can take days to weeks to recover from.
- ✕Forgetting about notification costs and regulatory obligations under UK GDPR.
Frequently asked questions
Typically no. Standard commercial policies do not include cyber coverage. Some may have a basic cyber extension, but dedicated cyber insurance provides much broader protection.
Ransomware is malicious software that encrypts your data and demands payment for the decryption key. It can halt business operations within hours and is one of the most common cyber threats facing UK SMEs.
Regulatory fines (such as ICO fines under UK GDPR) are generally not insurable. However, cyber policies typically cover legal costs and crisis management related to data breaches.
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Disclaimer
This is a simplified estimate based on the assumptions shown above. It isn't a quote, and a real insurer may arrive at a different figure. Use it as a starting point, then check the details with your insurer or adviser.