What We Actually Charge: Real Cyber, E&O, and D&O Premiums From Our Bound Book (2026)

Quick Answer

Most cyber insurance content online quotes "$500-$5,000" without telling you which businesses pay what or which carriers come in where. This is a different article: every premium below is from a policy we actually bound in 2026, anonymized to the vertical and revenue band but otherwise unedited.

The headline pattern from our book:

Solo / sub-$500K revenue cyber: $700-$1,500/yr is the realistic floor — most binds land between $850 and $1,300
$500K-$2M revenue cyber: $1,300-$3,000/yr depending on vertical (advisors and law firms pay more; marketing/PR/creative pays less)
$2M+ law firms: $3,500-$13,000/yr cyber, often with a legal-specialty carrier in the mix
Series A-stage D&O: $8,000-$10,000/yr for venture-backed companies at $1-2M revenue

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⚡ How this data was collected: Every premium below comes from a policy actually bound through our platform in 2026. We've grouped binds by vertical and revenue band, and we report carrier-by-carrier ranges instead of single point quotes — because what we charge depends on which carrier wins the submission, and that varies by vertical more than most people realize.

Why we published our actual numbers

We get the same question from prospects every week: "What does a business like mine actually pay?" And the honest answer is, the published ranges on most insurance sites are wrong by 2-5x in either direction — they cover everyone from a one-person freelance copywriter to a 200-person SaaS company. That's useless if you're trying to budget.

So we pulled our own bound-policy data — the policies we actually placed with carriers like Chubb, Hiscox, CFC, Corvus, Coalition, E-Risk, SafeLaw, and Skyward — grouped them by the vertical we sell into most often, and published the carrier-level ranges. If a carrier appears here, it means we bound a policy with them in 2026, not that we read about them on their marketing site.

Cyber insurance — what binds at what price, by vertical

Law firms ($2M-$8M revenue)

Cyber for law firms is one of the highest-premium small-business cyber lines we write. Three observations from our book:

Chubb cyber, 3 binds: $3,469 - $13,212/yr (mean $7,489). The $13,212 bind was an 8-employee Connecticut firm at $8M revenue with prior records-handling activity. The $3,469 was a 5-attorney firm at $2M revenue with no prior incidents.
Legal-specialty carriers (E-Risk, SafeLaw), 2 binds: $5,925 and $7,900/yr. Same Georgia firm at $2.25M revenue ran through three carriers — E-Risk came in lowest at $5,925, SafeLaw at $7,900, Chubb declined the submission entirely on a class-of-business question. The lesson: legal-specialty carriers are worth quoting on every law firm submission, even when Chubb is in your set.

Bundle math for law firms: Our recommended bundle here is cyber + legal malpractice (separate carrier) + EPLI. Standalone legal-vertical cyber tends to be priced 15-20% lower if E&O is placed with the same carrier — though E-Risk and SafeLaw will quote standalone cyber if a firm has their malpractice elsewhere.

Financial advisors / RIAs

Corvus cyber for a $15M revenue NY RIA: $3,087/yr. Corvus specs hard into the financial-services vertical — they want the cyber for advisors that Chubb sometimes prices too high.
Chubb cyber for a $40K-revenue solo advisor: $1,632/yr. Tiny revenue but Chubb still prices the exposure (client PII + custody touch), not just the topline.

Bundle math for advisors: Cyber + E&O is the default sale for RIAs. The SEC's Reg S-P amendments now require breach-notification procedures, and most RIA E&O policies include incident-response sublimits but not the full forensic + notification cost — so standalone cyber is closer to mandatory than optional.

Software & SaaS

CFC cyber for an $8M revenue California software developer: $7,000/yr. CFC's Tech E&O + cyber bundle is competitive at the mid-market end — when revenue crosses ~$3M and the business has SOC 2 in flight, CFC tends to come in below Chubb and Hiscox.
Hiscox cyber for small dev shops ($300K-$2M revenue): $897-$1,773/yr (2 binds, mean $1,335). For pre-revenue or sub-$2M software businesses, Hiscox is the workhorse — fast to quote, easy to bind online.
Chubb cyber for small software/SaaS ($10K-$150K rev): $1,039-$1,353/yr. Even at tiny revenues, Chubb prices the risk profile (data classification, breach notification cost), not the topline.

Bundle math for SaaS: Cyber + Tech E&O is the standard. D&O enters the conversation at priced rounds — see below.

IT consultants / MSPs

Chubb cyber for a $750K-revenue IT staffing / digital media firm: $2,618/yr. A single recent bind, but a useful data point because IT-services pricing varies wildly by what services the business actually performs (pen testing and managed security trigger different rating questions than help-desk-only).

Underwriting quirk we've seen repeatedly: Several carriers (including some sub-carriers Chubb uses) decline IT consultants who perform penetration testing without a specific endorsement. If you do pen testing or any offensive security work, lead with that disclosure on the application — getting bound and then discovering an exclusion later is the worst possible outcome.

Marketing / PR / creative / advertising agencies

This is the biggest single vertical in our book by bound count:

Hiscox cyber, 26 binds: $718 - $2,002/yr (mean $1,068). Hiscox owns this segment for small marketing/PR/creative shops. Most binds at the $850-$1,150 band for businesses in the $250K-$1.5M revenue range.
Chubb cyber, 5 binds: $499 - $2,958/yr (mean $1,498). Chubb wins when the business has a more complex risk profile (high-value clients, large vendor list) or when bundling with BOP/GL — they price the bundle, not the line.

Business consultants

Chubb cyber, 9 binds: $336 - $2,949/yr (mean $1,070). Wide range driven by revenue band — a $15K-revenue solo consultant binds at the floor; a $1.3M-revenue NY consulting firm binds at the top.
Hiscox cyber, 2 binds: $913 - $1,509/yr. Smaller share of this vertical — Chubb tends to win the comparison.

Biotech / life sciences R&D

Hiscox cyber, 5 binds: $849 - $1,215/yr (mean $966). Small biotech / life-sciences research labs at the $10K-$1M revenue band sit in Hiscox's sweet spot. Once revenue or research-data sensitivity scales up, the conversation moves to specialty carriers.

Errors & omissions / professional liability — real binds

E&O is a smaller share of our book than cyber, but the binds we placed are instructive:

Chubb professional liability for a $200K-rev Ohio business consultant: $2,069/yr.
CFC professional liability for a $250K-rev NY business consultant: $1,355/yr (same submission also bound Chubb cyber at $336/yr — the cyber price was the floor because the business had essentially no data exposure).
Hiscox professional liability for a $250K-rev Kansas PR firm: $1,360/yr (bundled with Hiscox cyber at $858/yr on the same submission; total $2,218).
Hiscox professional liability for a $500K-rev Wyoming biotech consultant: $1,432/yr (bundled with cyber at $859).

The bundle saving is real: On the bundled Hiscox submissions above, standalone-quote benchmarks ran $200-$400 higher across both lines. When a carrier can underwrite the same risk twice (same submission, same year), they typically credit ~10-15% on at least one of the two lines.

D&O — what we've bound for venture-backed and management-liability cases

D&O is the smallest line in our book by bound count, but the policies we placed include two we can describe:

Skyward D&O for a $1.5M revenue digital marketing agency: $10,000/yr. Private-company D&O for a growing services business with outside investors. Skyward priced the management-liability exposure aggressively because the business had clean financials and no employment claims history.
Chubb D&O for a $1.3M revenue Delaware-incorporated AI SaaS company in the biotech space: $8,274/yr. Series A-stage, venture-backed. The $8K-$10K band is what we see consistently for Series A AI SaaS — earlier-stage seed companies bind closer to $4K-$6K when there are no priced rounds yet.

D&O underwriting reality: Most pre-Series A founders ask about D&O because an investor required it. The actual trigger is the term sheet, not the cap table size. Once you have a priced round, the lead investor will almost always require D&O within 30 days of closing — so the cost of not having it lined up is a closing delay, not just an uncovered exposure.

What this means if you're shopping cyber, E&O, or D&O

A few patterns we'd commit to from the book:

Hiscox is the SMB cyber workhorse for marketing, PR, creative, biotech, and small software shops at sub-$2M revenue. Fast quotes, predictable pricing, $700-$1,800 typical bind range.
Chubb is the carrier that prices risk, not topline. Tiny businesses with real data exposure still get a 4-figure cyber quote. Useful for tech-adjacent or PII-handling businesses regardless of revenue.
Law firms should always shop legal-specialty carriers. Chubb is competitive, but E-Risk and SafeLaw will sometimes come in 20-30% lower and they understand the rate structure of a law firm better than generic carriers.
CFC enters the conversation at $3M+ revenue for software, IT services, and consulting — particularly when Tech E&O is part of the bundle.
Corvus is a financial-services specialist — quote them on every RIA, advisor, or wealth-management submission.
D&O for venture-backed companies is $8K-$10K at Series A with Chubb or Skyward typically winning the comparison. Plan for it in your post-close budget.

Every number above is real. If you want quotes for your specific business, we shop all of these carriers (and several more) on a single submission and surface the lowest bindable price.

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Frequently asked questions

Q: Is this data representative of the whole market?
A: It's representative of policies we actually bound in 2026 across the verticals listed. It under-samples industries we don't write into (heavy trucking, construction, food service) and over-samples our priority verticals (professional services, software, financial services, law). For verticals not listed above, treat the published ranges as directional rather than authoritative.

Q: How do I get a quote priced like the binds above?
A: Use the get-quote flow on insura.ai. Same carriers, same submission process. Most quote sets land in under 2 minutes for cyber and E&O.

Q: Why doesn't this article quote BOP, GL, or workers comp prices?
A: Those product lines are deprioritized in our content strategy. We write cyber, E&O, and D&O because those are the bundles that close consistently for the businesses we serve well — small-to-mid professional services, software, financial services, healthcare, and law.

Q: Are these prices going up or down in 2026?
A: Cyber has flattened to mildly down at the SMB end versus 2024-2025 — capacity has returned to the market and underwriting has stabilized. Law-firm cyber remains firm. D&O at venture-backed companies has held steady at $8K-$10K for Series A. We'll publish an updated cut of this data when we have a meaningful Q3 2026 sample.