Cyber Insurance
Explore Cyzo's interactive Cyber Insurance Premium Calculator to see how your security controls impact policy costs. Compare insurance vs. self-insurance risks and learn how MFA, EDR, and immutable backups can significantly lower your 2026 premiums.
1 min read
Cyber insurance premiums have skyrocketed, but underwriting has changed. Carriers no longer just look at your revenue; they look at your controls. Your premium is now a direct reflection of your risk profile.
We built this interactive Insurance Premium Calculator to help you understand exactly what underwriters are looking for in 2026.
How to use this tool:
Calculate Your Discount: Use the "Premium Reducer" tab to check off the security controls you currently have (like MFA or Immutable Backups). The tool estimates how much these specific upgrades can lower your annual policy cost.
The "Self-Insured" Reality Check: Thinking of dropping coverage to save cash? Switch to the "Self-Assurance Audit" tab. It calculates the liquid capital ("War Chest") and pre-signed legal retainers you need to replace a standard policy.
Compare the Costs: Use the "Insurance vs. Self" tab to see a side-by-side breakdown of who pays for the ransom, the lawyers, and the lost revenue when a breach occurs.
Stop guessing what your insurer wants. Run the numbers below.
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