Cyber Insurance Price Index for Digital Agencies
Comprehensive pricing data aggregated from broker quotes, public filings, and industry reports. The most complete reference for what digital agencies actually pay for cyber liability coverage.
Key Findings
Premiums by Agency Size
Annual cyber insurance premiums based on employee count and revenue band. All figures assume $1M coverage limit and $2,500 deductible.
| Agency Size | Employees | Annual Revenue | Annual Premium | Monthly Equivalent |
|---|---|---|---|---|
| Solo | 1 | Under $150K | $300 – $800 | $25 – $67 |
| Small | 2–10 | $150K – $1M | $500 – $2,500 | $42 – $208 |
| Mid-size | 11–50 | $1M – $5M | $2,500 – $8,000 | $208 – $667 |
| Large | 50+ | $5M+ | $8,000 – $25,000+ | $667 – $2,083+ |
Premiums by Agency Type
How specialization affects premiums. Agencies handling sensitive data (e-commerce, healthcare) pay more than those focused on content or SEO. Based on a 5-person agency with $1M coverage.
| Agency Type | Risk Profile | Annual Premium Range | Key Risk Factor |
|---|---|---|---|
| SEO / PPC | Low | $500 – $1,200 | Minimal client data exposure |
| Social Media | Low–Medium | $600 – $1,500 | Account access credentials |
| Creative / Branding | Low | $450 – $1,100 | IP and asset management |
| Web Development | Medium | $800 – $2,200 | Code deployment and hosting access |
| Full-Service | Medium–High | $1,000 – $2,800 | Broad data and system access |
| E-commerce / Payments | High | $1,500 – $3,500 | PCI-DSS and payment data |
| Healthcare Marketing | High | $1,800 – $4,000 | HIPAA and PHI handling |
Premiums by Coverage Level
How your coverage limit affects annual premiums. Based on a 5-person agency with a $2,500 deductible. Higher limits don't scale linearly — doubling coverage typically adds 40-60% to premiums, not 100%.
| Coverage Limit | Tier | Annual Premium | Best For |
|---|---|---|---|
| $500K | Basic | $400 – $1,000 | Solo freelancers with minimal client data |
| $1M | Standard | $700 – $1,800 | Small agencies — most popular choice |
| $2M | Enhanced | $1,100 – $2,800 | Mid-size agencies or those with enterprise clients |
| $5M+ | Enterprise | $2,500 – $7,000+ | Large agencies with high-value contracts |
Premium Impact by Deductible
How your deductible choice affects annual premiums. Based on a 5-person agency with $1M coverage. Higher deductibles reduce premiums but increase your out-of-pocket exposure per claim.
| Deductible | Annual Premium | Savings vs $1K | Break-Even Claims |
|---|---|---|---|
| $1,000 | $1,400 – $2,100 | Baseline | — |
| $2,500 | $1,200 – $1,800 | 10–15% | 1 claim every 7–10 years |
| $5,000 | $1,050 – $1,600 | 15–25% | 1 claim every 5–8 years |
| $10,000 | $900 – $1,350 | 25–35% | 1 claim every 3–5 years |
| $25,000 | $750 – $1,100 | 35–48% | 1 claim every 2–3 years |
Year-over-Year Premium Trends
After sharp increases in 2021-2023 driven by ransomware claims, the cyber insurance market has softened. Increased competition and improved insured security postures are driving premiums down for well-managed agencies.
| Agency Size | 2024 Avg | 2025 Avg | 2026 Avg | 2-Year Change |
|---|---|---|---|---|
| Solo (1 person) | $550 | $500 | $475 | -14% |
| Small (2–10) | $1,450 | $1,300 | $1,200 | -17% |
| Mid-size (11–50) | $5,200 | $4,800 | $4,500 | -13% |
| Large (50+) | $14,000 | $13,200 | $12,500 | -11% |
* Average premiums based on $1M coverage limit and $2,500 deductible. Actual premiums vary by risk profile, security posture, and claims history.
Methodology
The AgencyCyberInsurance Price Index aggregates pricing data from multiple sources to provide the most accurate picture of what digital agencies pay for cyber liability coverage. Our methodology combines three primary data streams:
Broker Quotes
We collect anonymized quote data from insurance brokers specializing in technology and media businesses. This represents real-world pricing for agencies actively shopping for coverage.
Public Filings
State insurance department rate filings provide baseline pricing data. We analyze filings from major cyber insurance carriers to track rate changes and identify trends.
Industry Reports
We incorporate data from industry surveys and reports published by organizations like AdvisorSmith, Marsh, Aon, and the Council of Insurance Agents & Brokers.
All pricing ranges represent the 25th to 75th percentile of observed premiums for each segment. Outliers — such as agencies with prior claims or unusually high-risk profiles — are excluded from the primary ranges but noted where relevant.
This index is updated quarterly. The current data reflects Q2 2026 pricing. For a personalized estimate based on your agency's specific profile, try our Recommendation Engine.
Cite This Data
This data is published under a Creative Commons Attribution 4.0 license. You're free to use, share, and adapt this data for any purpose — just include attribution.
Suggested Citation
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