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Ransomware, breach response, social engineering fraud — what cyber policies actually cover, the controls underwriters demand, and how premiums scale with revenue.
Side-by-side view of the most common coverage choices in this category.
| Feature | Basic SMB Under $1M rev | Standalone cyber | Enterprise tower Tech / SaaS |
|---|---|---|---|
| Breach response & notification | |||
| Ransomware payment | Sub-limit | ||
| Business interruption | |||
| Social engineering fraud | Optional | ||
| Regulatory fines & penalties | |||
| Typical annual premium | $650 | $2,800 | $25k+ |
First-party breach response, third-party liability, ransomware, and social engineering fraud — how a cyber policy is structured and what underwriters now require before quoting.
Waiting periods, period of restoration, forensic accounting, and the documentation that decides how much of a ransomware outage your insurer reimburses.