Compare Cyber Insurance the Way a Broker Does
Most businesses buy the first cyber quote they see. That's how you end up overpaying — or worse, underinsured. Comparing cyber insurance means putting two or more real quotes next to each other and checking four things: premium, limits, sublimits (ransomware and social engineering are the ones that bite), and retention.
Insura is an independent brokerage: one application gets you quotes from multiple A-rated carriers, compared side by side.
How the major cyber carriers compare
| Carrier | Best fit | Typical SMB premium* | Standout strength |
|---|---|---|---|
| Chubb | Professional services, tech firms | $1,200–$6,000/yr | Broadest first-party coverage; strong claims reputation |
| Hartford | Small businesses bundling with other lines | $900–$4,000/yr | Easy bundling, competitive on smaller revenue bands |
| Hiscox | Micro and small businesses | $500–$3,000/yr | Fast bind, lean application |
| Cowbell | Data-heavy SMBs | $1,000–$5,000/yr | Continuous risk monitoring baked in |
| Specialty markets (via RT) | Harder classes, higher limits | varies | $1M–$3M limit ladders when standard markets decline |
*Ranges reflect what comparable small businesses actually pay; your revenue, industry, and security controls set the real number.
What to compare beyond price
- Ransomware sublimit — some carriers cap it well below the headline limit.
- Social engineering / funds transfer fraud — often a $100K–$250K sublimit; wire-fraud-exposed firms should push it up.
- Business interruption waiting period — 6 vs 12 hours matters in a real outage.
- Bundling — pairing cyber with E&O (tech firms, consultants, advisors, law firms) usually beats two standalone policies on total premium.
Get your side-by-side comparison
Start one application below. We come back with real quotes from multiple carriers and walk you through the differences before you buy — that's the whole point of comparing.
