E&O & Cyber Insurance Auditor
Cyber Insurance Cost Calculator & Professional Liability Insurance Cost by Industry
Transparent 2026 Commercial Rate Math Without Gated Broker Forms: Across 2026 NAIC rate filings and commercial carrier schedules, the national US small-business benchmark sits at $999/year ($83/month) for standalone Cyber Liability and $675/year ($56/month) for baseline 1–4 employee Professional Liability (E&O)—rising to $1,882/year for B2B SaaS/AI vendors, $1,395/year for Healthcare HIPAA Business Associates, $1,365/year for FinTech/CPA firms, and $1,197/year for IT/Management Consultants. Use the deterministic calculator below to model your exact limits, retention, and security control discounts.
⏱️ 30-Second Underwriting Verdict: 2026 Cyber & Professional Liability Pricing
NAIC & Broker Rate Benchmarks
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🏆 BEST COMBINED TECH E&O + CYBER
Embroker ($1,480–$2,650/yr) & Vouch ($1,350–$2,380/yr): Bundling Tech E&O and First-/Third-Party Cyber on one policy saves 18%–24% vs. buying separate monoline policies and eliminates claim-denial grey areas between software bugs and security exploits.
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⚠️ UNDERWRITING BLOCKER TRAP
Unchecked Phishing-Resistant MFA, Endpoint Detection & Response (EDR), or Offline Backups triggers either an automatic underwriting declination or a +35% substandard rate penalty and a $25,000 ransomware sublimit cap. Verify all three controls plus SOC 2 Type II to unlock up to an 18% premium credit.
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⚡ BEST LOW-COST SMB E&O
Hiscox ($540–$1,180/yr · from $45/mo) & Next Insurance ($480–$990/yr · from $40/mo): Fastest online ACORD 25 COI generation for 1–10 employee IT consultants, management agencies, and non-SaaS service contractors.
Professional Liability (E&O) & Cyber Insurance Cost by Industry (2026 Verified Schedule)
The table below compares 2026 annual and monthly premiums across primary B2B verticals for standalone Cyber Liability, standalone Professional Liability (E&O), and Combined Tech E&O + Cyber packages:
| Industry Vertical | 2026 Cyber Insurance Annual Avg | 2026 Professional Liability (E&O) Avg | Combined $1M–$2M Package Range | Recommended MSA Limit & Carrier |
|---|---|---|---|---|
| B2B SaaS, Cloud & AI Software Vendors | $1,882/yr ($157/mo) | $1,620/yr ($135/mo) | $1,882–$3,450/yr | $2M/$2M Combined Tech E&O + Cyber (Embroker / Vouch) |
| Healthcare SaaS, Telehealth & HIPAA BAs | $1,395/yr ($116/mo) | $1,750/yr ($146/mo) | $1,395–$3,890/yr | $2M–$5M Cyber + HIPAA OCR Defense (Coalition / Vouch) |
| FinTech, Accounting, CPA & Bookkeeping | $1,365/yr ($114/mo) | $1,540/yr ($128/mo) | $1,365–$3,600/yr | $2M–$5M FI E&O + $250k+ Wire Fraud (Embroker / Coalition) |
| IT Consultants, Dev Agencies & MSPs | $1,197/yr ($100/mo) | $888/yr ($74/mo) | $1,197–$2,190/yr | $1M/$2M Tech E&O + 1099 Subcontractor Carve-In (Hiscox / Coalition) |
| US Small Business National Cyber Average (All Industries) | $999/yr ($83/mo) | $840/yr ($70/mo) | $999–$1,839/yr | $1M/$1M to $1M/$2M Commercial Package (Hiscox / Next Insurance) |
| Micro-SMB & Solo Consultant Baseline (1–4 Employees) | $540/yr ($45/mo) | $675/yr ($56/mo) | $675–$1,180/yr | $1M/$1M Professional Liability + Cyber Add-On (Next Insurance / Hiscox) |
Compare 2026 Commercial E&O & Cyber Insurance Quotes by Carrier
| Carrier / Broker | AM Best Financial Rating | $1M/$1M Annual Cost | $2M/$2M SOC 2 Cost | $5M/$5M Enterprise Cost | Direct Quote Action |
|---|---|---|---|---|---|
| Embroker Embroker Tech E&O + Cyber Package (Startup & Mid-Market SaaS/AI) |
A (Excellent) — Class XV | $1,480–$2,650/yr ($123–$221/mo) | $2,450–$4,200/yr ($204–$350/mo) | $5,800–$9,600/yr ($483–$800/mo) | Quote Tech E&O + Cyber on Embroker → |
| Vouch Vouch Business Shield (Venture-Backed Tech E&O, Cyber & D&O) |
A- (Excellent) — Class IX+ | $1,350–$2,380/yr ($112–$198/mo) | $2,250–$3,890/yr ($188–$324/mo) | $5,400–$8,950/yr ($450–$746/mo) | Check Vouch Tech E&O + Cyber Rate → |
| Hiscox Hiscox Professional Liability (E&O) + Cyber & Data Security |
A (Excellent) — Class XV | $540–$1,180/yr ($45–$98/mo) | $1,120–$2,190/yr ($93–$183/mo) | Via Excess Umbrella Quote ($3,800–$6,400/yr) | Get Instant Hiscox E&O Quote ($45/mo) → |
| Coalition Coalition Active Cyber & Tech E&O (with Active Attack Surface Monitoring) |
A / A+ Backing (Allianz / Swiss Re / Arch) | $1,520–$2,790/yr ($127–$233/mo) | $2,600–$4,450/yr ($217–$371/mo) | $6,100–$9,900/yr ($508–$825/mo) | Run Coalition Active Cyber & E&O Scan → |
| Next Insurance Next Pro E&O + General Liability + Cyber Add-On |
A- (Excellent) — Class VIII | $480–$990/yr ($40–$83/mo) | $960–$1,850/yr ($80–$154/mo) | Not offered directly online (caps at $2M/$4M) | Compare Next Insurance E&O ($40/mo) → |
| Chubb Chubb DigiTech Enterprise ERM + Cyber Enterprise Risk Management |
A++ (Superior) — Class XV | $1,950–$3,400/yr ($163–$283/mo) | $3,400–$5,900/yr ($283–$492/mo) | $7,500–$14,200/yr ($625–$1,183/mo) | Compare Enterprise Tech E&O via Embroker / Chubb → |
Related E&O & Cyber Insurance Compliance Tools
- Tech E&O & Cyber Insurance Policy Requirements by Industry (Enterprise MSA Minimums) — Check exact First-Party vs. Third-Party Cyber, Retroactive Date, and Social Engineering sublimits required by enterprise buyers.
- Certificate of Insurance Requirements & Free ACORD 25 COI Checker — Paste your ACORD 25 COI to verify compliance before sending to client procurement.
- State-by-State E&O Minimum Liability Limits & Cyber Safe-Harbor Matrix — Compare statutory vs. contractual limits across all 50 states + DC.