Cyber Liability Insurance Cost: 2026 Quotes and Ranges
Median small-business Cyber Liability premium is $129/month ($1,548/year) per Insureon's 2024 cost report. Cost varies dramatically by industry — consulting/SaaS pays ~$50-$100/mo; retail with card processing $130-$250/mo; healthcare/medical/dental $200-$500+/mo (HIPAA + HITECH exposure widens premiums).
Premium drivers: industry risk class, records held (PII + PHI counts), annual revenue, coverage limits, ransomware sub-limit, business-email-compromise sub-limit, and security controls (MFA, EDR, segmented backups, incident-response retainer). Carriers cut premium 10-25% for verified MFA on email + admin; another 5-15% for tested backup restoration in the last 12 months. Every number on this page is sourced from a named external publication (Insureon, NetDiligence, III).
Required by contract for: SaaS + IT services, any business processing card data (PCI), healthcare (HIPAA), legal + financial-services firms, and increasingly any vendor in B2B supply chains. Most enterprise clients now require evidence of Cyber coverage before signing.
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Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, BLS, Insureon, NerdWallet — not from our quote form
Market ranges from published industry sources:
- Median Cyber Liability: $129/month, $1,548/year (Insureon 2024)
- Annual range: $500-$10,000+/year — driven by industry, revenue, records-held, ransomware sublimit + security-controls discount tier
- Industry-tier ranges (Insureon): Consulting/SaaS $50-$100/mo; Retail w/ card processing $130-$250/mo; Healthcare/Dental $200-$500/mo (HIPAA); Legal/Financial $150-$300/mo
- Median ransomware claim: $353K (NetDiligence Cyber Claims Study 2024) — explains why $1M+ limits are now table-stakes
- Coverage limits: $1M occurrence/$1M aggregate typical floor for small biz; $2M-$5M common for SaaS + healthcare; $10M+ for enterprise contracts
- What Cyber covers: data-breach response (forensics, notification, credit monitoring), ransomware extortion + recovery, business-interruption from cyber events, business-email-compromise (BEC), regulatory fines (HIPAA/GDPR/state DPAs), defense + settlement of third-party privacy claims
- What Cyber does NOT cover: physical damage to hardware (Property covers), wire fraud where YOU initiated the wire (some carriers add via BEC sublimit), reputational harm (excluded most policies), prior known incidents (claims-made + retroactive date matters)
- MFA + backups discount stacking: verified MFA on email + admin saves 10-25%; tested backup restoration in last 12mo saves 5-15%; EDR deployed saves 5-10%. Stacking can drop premium 20-40% on standard markets
- State variance: minimal — Cyber is federally regulated via state DPAs but carriers price nationally. CA + NY price 5-15% above average due to higher litigation + state DPA enforcement
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting cyber liability operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | NCCI-134743616 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | NCCI-134745334 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | NCCI-134876672 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | OH-BWC-2026-PA-1PCT |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | NCCI-134702984 |
| WC | NC | Industrial -7.8% / Federal -12.8% overall loss cost level | Apr 1, 2026 | NCRB-NC-2026-LC |
| WC | PA | -1.22% overall collectible loss cost decrease | Apr 1, 2026 | PCRB-PA-2026-C-387 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Cyber Liability insurance cost by state — 40 states with filed-rate data
Filed-rate activity differs by state — each link below opens a cyber liability-specific page showing only that state's most-recent workers' comp and commercial-lines filings, with the real SERFF tracking numbers.
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