How much does cyber liability insurance cost in Maryland? (2026)
Cyber Liability insurance pricing in Maryland is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Maryland. Below: the most-recent Maryland filings affecting cyber liability operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Cyber Liability cost guide.
Recent rate-filing activity — 1 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 | MD | Overall -12.3% voluntary loss cost decrease | Jan 1, 2026 | NCCI-134632965 |
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.
National context — Cyber Liability insurance overview
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.
More Maryland rate-filing detail
- All Maryland commercial rate filings (every line, every recent filing) — the broader rate-data view for Maryland
- Rate filings by state — directory of all 47+ states with active filings
- National Rate Change Tracker — every filing across every state, sortable
Get a real Maryland quote for cyber liability
The data above shows the regulator-filed direction for Maryland. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
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