Cyber insurance calculator

How much cover do you need, and what might it cost?

Estimate your data-breach and downtime exposure, and an indicative annual premium that reflects the security controls you actually have in place. Everything is calculated in your browser — nothing is sent anywhere.

Your organisation

Data exposure

Default ₹4,000 is the India cost-per-record figure from your original model (2018); current studies put it higher. Edit it to your own number any time. Servers, if entered, add an IT recovery and ransomware allowance.

Risk factors
Security controls in place
External posture (optional)

Scan your domain in the VendorPulse console to get this grade — it adjusts the estimate using your real internet-facing posture.

Recommended sum insured
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Indicative annual premium
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0
Security control score — higher means lower risk and premium.

What moves your premium

What good cyber cover should include

  • Breach response: notification, forensics, legal
  • Regulatory fines and penalties
  • Business interruption losses
  • Lost or destroyed data recovery
  • Electronic fraud and funds transfer
  • Third-party / supply-chain breach liability
  • Brand and reputation damage
  • Cost to rebuild and harden systems

This is an indicative planning estimate, not an insurance quote. Real premiums are set by an insurer's underwriting and depend on your claims history, policy limits, sub-limits, deductibles and terms. The model estimates exposure from the records and downtime you enter, then adjusts an indicative base rate by your industry and the controls you hold. Based on the cyber-insurance concept by Himanshu Gaur (2019), extended with control-weighted risk scoring. For binding cover, work with a licensed insurer or broker and a quantitative risk assessment.