Independent cost research
Independent cost estimates for cyber, E&O and D&O insurance.
No broker sponsorships, no lead resale, no referral fees. Just published assumptions, wide honest ranges and the maths behind every number.
We take no money from insurers
Our only revenue is display advertising. We never pass your details to a broker.
Every assumption is published
Retentions, forms, limits and rate curves are all written down and refreshed quarterly.
Ranges, not false precision
Two similar companies can be quoted 40 percent apart. We show that spread rather than hide it.
Calculators
Three cost models, free to use
Cyber liability insurance
Industry, revenue, headcount, data volume and security controls. Output is a premium range split into line items.
Typical small business range: 1,200 to 7,500 dollars a year
Open the calculatorTechnology E&O insurance
Revenue, client contract size, vertical and claims history for a combined technology errors and omissions form.
Typical SaaS range: 1,500 to 12,000 dollars a year
Open the calculatorStartup D&O insurance
Funding stage from bootstrapped through Series C or later, plus revenue, headcount and limit.
Typical seed range: 5,000 to 12,000 dollars a year
Open the calculatorGuides
Plain English explainers on what you are buying
Practical guide
Ransomware coverage, sublimits and coinsurance explained
Understand ransomware limits, your share of a loss and recovery conditions before comparing cyber insurance quotes. Includes a hypothetical claim calculation.
Updated October 2026
Practical guide
How MFA, EDR and backups change your cyber insurance premium
A practical guide to proving MFA, endpoint detection and tested backups to cyber insurers without assuming an unsupported premium discount.
Updated October 2026
Practical guide
Cyber insurance retentions and deductibles: how to choose one
Choose a cyber retention your business can fund. Compare loss sharing, waiting periods and cash flow using a clearly hypothetical worked example.
Updated October 2026
Practical guide
First party vs third party cyber coverage
Separate your own breach recovery costs from claims by customers and others. Compare cyber coverage sections with a practical small business example.
Updated October 2026
Practical guide
Cyber insurance for healthcare practices and HIPAA covered businesses
Compare cyber response, interruption and liability cover for healthcare practices. Understand HIPAA responsibilities, vendor dependencies and policy questions.
Updated October 2026
Practical guide
Cyber insurance for law firms and accounting firms
Plan cyber coverage around client confidentiality, deadlines and payment instructions at law and accounting firms. Includes a hypothetical loss example.
Updated October 2026
Practical guide
Common cyber insurance exclusions and how to avoid a denied claim
Review cyber exclusions, security conditions and reporting requirements before an incident. A practical guide without promising that every claim can be covered.
Updated October 2026
Practical guide
General liability vs professional liability (E&O) for tech companies
Understand why general liability, technology E&O and cyber insurance address different tech business risks. Compare coverage and a hypothetical startup example.
Updated October 2026
Pricing guide
Errors and omissions insurance cost for technology companies and startups
Premium bands by company stage, the vertical and contract drivers that move the price, and how to avoid a surprise at renewal.
Updated August 2026
Pricing guide
How much does cyber insurance cost in 2026
Real premium bands by company size, what changed after two soft market years, and the controls that move your price the most.
Updated August 2026
Compliance
Cyber insurance requirements for SOC 2 companies
What auditors expect to see on the policy, which limits satisfy customer contracts, and how SOC 2 evidence can lower your premium.
Updated July 2026
Coverage
E&O vs cyber liability: what startups actually need
The two policies overlap more than most founders realise. Here is where the line sits and how to avoid paying twice.
Updated July 2026
Directors and officers
What drives D&O premiums at each funding stage
From bootstrapped to Series C, the exposures that underwriters price and the moments when your premium jumps.
Updated June 2026
Independence policy
Why you can trust the numbers
We are a small editorial team that publishes cost research. We do not broker insurance, we do not run a quote marketplace and we never sell your data. The site is funded by display advertising only, and advertisers have no input into our estimates or our editorial. If we get something wrong, we correct it in public and note the change on the methodology page.
Read the full methodology