An editorial desk, not a broker

Why this site exists

Almost every page that ranks for insurance cost questions is published by someone who wants to sell you a policy or resell your contact details. The numbers on those pages are usually vague, and the real product is the form at the bottom. We wanted the opposite: a site where the number is the product, the assumptions are printed next to it, and nobody calls you afterwards.

What we do

• Build and maintain cost models for cyber, technology E&O and D&O insurance.
• Publish the assumptions and refresh the rate curves every quarter.
• Write plain English guides on what these policies cover and what buyers ask for.

What we do not do

• We do not broker, place or sell insurance.
• We do not sell leads or share your details with anyone.
• We take no sponsorships, commissions or referral fees from brokers or carriers.

How we are funded

Display advertising only, served through Google AdSense. That keeps the calculators free and keeps the incentive to send you to a broker off the table. Read the full methodology and independence policy.

Focused on insurance research

Our research is focused on insurance budgets. We keep our estimates independent of insurance sellers, and we make the assumptions available without asking you to book a call, create an account or hand over your contact details.

Who this is for

Founders often need an insurance budget before they have enough information to request a useful quote. Finance teams need to compare renewal costs, while security teams need to understand which controls an underwriter is likely to ask about. Our calculators and guides give each reader a starting point for that work, whether the business is buying its first policy or reviewing an existing limit.

A budget estimate cannot tell you whether a policy will cover a particular claim. Limits, retentions, exclusions and the wording of a customer contract all matter. We explain those differences so that a lower premium is not mistaken for better value. The aim is a more informed conversation with an insurance professional, not a recommendation to buy a particular product.

Research instead of a quote form

A broker quote form is designed to collect the details needed to place insurance. This site has a different job: explain what affects the cost and show a broad range with visible assumptions. Calculator inputs are not a request for cover. We do not use them to create leads, and nobody receives them as an invitation to contact you.

Our editorial standards explain who reviews the work, how often pages are checked and how readers can report an outdated figure. The methodology explains the model itself. Reading both makes the limits of our estimates clear before you rely on a number for your budget.

Get in touch

Corrections, quote data and questions are all welcome. The contact page has the details.