Best Cyber Insurance Companies for 2026

Choosing the right cyber insurance company is just as important as choosing the right coverage. The best cyber insurance companies combine competitive pricing, broad coverage, fast claims handling, and financial strength.

Insura partners with the top cyber insurance companies in the U.S. so you can compare quotes from multiple carriers in one place.

Top-Rated Cyber Insurance Companies

Hartford

One of the most trusted cyber insurance companies for small businesses. Hartford offers bundled cyber coverage with BOP policies, making it an affordable option for companies with fewer than 100 employees. A.M. Best rating: A+.

Chubb

A leading cyber insurance company for mid-market and enterprise businesses. Chubb offers high coverage limits, comprehensive first- and third-party protection, and a dedicated cyber claims team. A.M. Best rating: A++.

Hiscox

Among the best cyber insurance companies for freelancers, consultants, and micro-businesses. Hiscox offers affordable standalone cyber policies starting under $500/year. A.M. Best rating: A.

Coalition

A next-generation cyber insurance company that combines active threat monitoring with insurance coverage. Coalition scans your digital footprint and alerts you to vulnerabilities before they become claims. A.M. Best rating: A (via Vantage).

CNA

A top cyber insurance company for professional services firms — law firms, accountants, consultants, and financial advisors. CNA offers tailored cyber policies with strong regulatory defense coverage. A.M. Best rating: A.

How to Choose the Right Cyber Insurance Company

When comparing cyber insurance companies, evaluate:

Financial Strength — Look for A.M. Best ratings of A or higher to ensure the company can pay claims
Coverage Breadth — Does the policy cover ransomware, social engineering, regulatory fines, and business interruption?
Claims Handling — How fast does the company respond? Do they provide a dedicated breach response team?
Industry Expertise — Some cyber insurance companies specialize in specific industries (healthcare, legal, tech)
Price — Compare premiums, deductibles, and coverage limits across multiple carriers
Value-Added Services — Some companies include risk assessments, security training, or threat monitoring

What Do Cyber Insurance Companies Cover?

The leading cyber insurance companies typically cover:

Data Breach Response — Forensics, notification, credit monitoring, legal counsel
Ransomware & Cyber Extortion — Ransom payments, recovery, and negotiation
Business Interruption — Revenue loss during system downtime
Regulatory Fines — HIPAA, PCI-DSS, GDPR, CCPA penalties and defense costs
Third-Party Liability — Lawsuits from affected customers and partners
Social Engineering Fraud — Phishing and wire transfer losses

Why Compare Multiple Cyber Insurance Companies?

Premiums for the same coverage can vary by 40% or more between cyber insurance companies. By comparing quotes from multiple carriers, you ensure you are getting the best combination of price, coverage, and service for your specific business needs.

Insura makes it easy — fill out one form and receive quotes from the top cyber insurance companies in minutes.