How much does cyber liability insurance cost in Texas? (2026)
Cyber Liability insurance pricing in Texas is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Texas. Below: the most-recent Texas 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 — 6 state filings across 5 commercial lines
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 | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | NCCI-134745334 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419 |
| Comm Auto | TX | ISO multistate zone-rated loss-cost revision | Sep 12, 2025 | ISOF-G134311774 |
| GL | TX | ISO multistate reference rule revision (rate impact per carrier LCM) | Jul 11, 2025 | ISOF-134446423 |
| Property | TX | ISO advisory prospective loss-cost revision | Jan 14, 2025 | ISOF-G134197813 |
| BOP | TX | ISO advisory prospective loss-cost revision | Nov 18, 2025 | ISOF-G134662502 |
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 Texas rate-filing detail
- All Texas commercial rate filings (every line, every recent filing) — the broader rate-data view for Texas
- 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 Texas quote for cyber liability
The data above shows the regulator-filed direction for Texas. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
Get a free Texas quote →