Compare Cyber Insurance Quotes

Compare cyber insurance quotes with Spot

Two cyber quotes can share a headline limit and pay very differently, so Spot breaks each proposal into the amounts available for a real incident.

Compare quotes from 50+ cyber insurance providers

Get StartedHow It Works

Response, recovery, interruption and liability limits split out
Triggers, reporting deadlines and vendor terms flagged
Keep your broker or switch, with no commissions on premiums

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How it works

Send us the proposals

Forward the cyber quotes your broker returns, along with the application describing your systems and controls, so every quote is read against the same facts.

Maple MarketOrganized by Spot

We split each limit into its parts

Spot separates the overall limit from the amounts for incident response, data recovery, income loss and liability, and notes what you pay before each one responds.

Cyber liability insurance

Maple Market · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Check the terms that decide a claim

Ask your Spot team about response-firm approval, reporting deadlines, vendor incidents and funds-transfer fraud. The Spot agent answers from each proposal’s wording.

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JordanMaple Market

Can you help compare our cyber liability insurance options?

RileySpot

Let’s prepare the information for your broker and compare the terms, not just the price.

Choose and bind

Select the proposal whose limits and conditions match your biggest exposure. Your Spot team helps you bind it and keeps the policy where your customers’ questionnaires can be checked against it.

Insurance documents

Quote comparison

Cyber liability insurance

Incident response · Business interruption

Maple Market

What to compare

01
First-party coverage sections
Response costs, data recovery and income lost during a covered interruption. Confirm each is included, not assumed from the headline.
02
Third-party liability section
Defense and covered settlements after a claim against you following a breach. Check its limit separately from the first-party limits.
03
Sublimits
Smaller limits for particular costs, such as ransomware or social-engineering losses, can be far below the overall limit.
04
Retention
What your business pays first. It can differ by section, so read it for each one.
05
Triggers and waiting periods
What event starts each section and how long an interruption must last before income coverage responds.
06
Retroactive date and reporting deadlines
How earlier incidents, retroactive dates and late notice affect a claim, and what triggers each coverage section.
07
Response firms and approval
Who you call, which specialists you can use and whether spending needs approval first.
08
Vendors and geography
Whether incidents at outside providers that hold your data are included, and whether the territory fits where you operate.

Differences to watch for

01
Same headline limit, different amounts
A policy can list one large limit and still cap response, interruption or liability well below it.
02
Funds-transfer fraud
Money sent to a fraudster may fall outside cyber terms. A quote that’s silent on it isn’t covering it; ask, and check crime coverage.
03
Your own incident-response firm
A quote may require its panel vendors or approval before you spend. Find out before an incident, not during one.
04
Vendor outages
Interruption coverage for an outage at a provider you depend on depends on the trigger. Not every quote reaches it.
05
War and similar exclusions
Read how each proposal words them; the language varies by quote.