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

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:

1. 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.
2. 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.
3. 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.
4. CFC enters the conversation at $3M+ revenue for software, IT services, and consulting — particularly when Tech E&O is part of the bundle.
5. Corvus is a financial-services specialist — quote them on every RIA, advisor, or wealth-management submission.
6. 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.

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.