How much is cyber insurance for a startup with no revenue?

Pre-revenue companies typically pay toward the bottom of the market — often a low four-figure annual premium for $1M in limits — since exposure modeling leans on revenue and record counts.

Does cyber insurance cost more in certain states?

Pricing is driven mostly by your company's profile, but regulatory environment matters at the margins. Companies subject to stricter state privacy and breach-notification regimes may see that reflected in underwriting.

Will my premium go up every year?

Not necessarily. Growing revenue pushes premiums up, but improving controls, a maturing market, and competitive re-shopping push them down. Many of our clients see flat or improved pricing at renewal despite significant growth.

Is cyber insurance worth the cost for a small company?

For a venture-backed company, almost always. A single business email compromise or ransomware event can cost multiples of a decade of premiums — and many enterprise contracts won't close without proof of coverage.

National · 5 min read

How Much Does Cyber Insurance Cost? 2026 Pricing for Tech Companies

"How much is cyber insurance?" is usually the first question founders ask us — and the honest answer is: it depends, but it depends on things you can control. Cyber insurance cost is driven less by your industry label and more by your revenue, the data you hold, the limits you buy, and the security controls you can demonstrate to underwriters. Two startups with identical revenue can see meaningfully different pricing based on posture alone. This guide lays out typical 2026 pricing for seed through Series B technology companies, the factors that move your premium up or down, and practical tactics to lower your cyber liability insurance cost without thinning out coverage.

Typical Cyber Insurance Pricing by Startup Stage

Every quote is individually underwritten, so treat these as directional ranges for tech companies with reasonable security hygiene buying coverage from A-rated carriers: Stage Typical Revenue Common Limits Typical Annual Premium Pre-seed / Seed Under ~$2M $1M Often $1,500–$4,000 Series A ~$2M–$10M $1M–$3M Often $3,000–$10,000 Series B ~$10M–$30M $3M–$5M Often $8,000–$25,000+ Companies handling especially sensitive data — health records, payment data, large consumer datasets — typically land at the higher end or above these ranges, while a lean B2B SaaS tool processing limited personal data often lands at the lower end. If you're still deciding whether you need coverage at all, start with our overview of cyber insurance for small business, which covers what these policies actually pay for.

What Drives Cyber Insurance Cost Up or Down

Underwriters at leading cyber markets price on a handful of consistent variables: Revenue and growth. The single biggest baseline factor. More revenue generally means more exposure and higher premiums — fast-growing companies should expect pricing to step up at renewal. Data type and volume. The number of personal records you store, and how sensitive they are, directly shapes breach-cost modeling. PII, PHI, and payment data all push pricing upward. Limits and retention. Doubling your limit doesn't double your premium, but it raises it. Taking a higher retention (deductible) lowers it. Security controls. MFA everywhere, EDR on endpoints, tested offline backups, email security, and patching cadence. Missing MFA alone can mean surcharges, ransomware sublimits, or declination. Claims history. Prior incidents — even ones that didn't hit a policy — must be disclosed and will affect pricing for several years. Industry and dependencies. Fintech, healthtech, and companies whose downtime cascades to customers face more scrutiny than internal-tooling SaaS. Technology companies should also note that underwriters look at contractual exposure — what your MSAs promise customers. Our guide to cyber insurance for technology companies digs into how SaaS-specific exposures shape both pricing and structure.