Cyber Insurance · Marsh / Howden / Coalition 2025 Benchmarks

Cyber Insurance
Premium Estimator

See your estimated 2025 renewal range — and exactly how much your control gaps are inflating it. Includes CoreRecon MSSP savings projection and carrier-question prep sheet.

+28%
Avg premium increase, weak controls (Marsh 2025)
42%
Renewal denials — missing MFA or EDR (Coalition 2025)
$4.88M
Avg data breach cost, IBM CODB 2024
3–8×
Premium reduction, Preferred vs. Denied tier
Organization Profile
$5M
$1M$500M+
100 endpoints
102,000
Security Controls (check all that are in place)

These are the exact controls underwriters ask about. Each unchecked item inflates your premium or triggers coverage restrictions.

Note: Carriers may deny coverage or sub-limit ransomware to 25–50% if MFA, EDR, or backup controls are absent — regardless of premium paid.

Underwriting Rating
Standard Market
Eligible for most carriers at standard terms
Estimated Annual Premium
$—
Set your profile above to calculate
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Includes: Full premium breakdown · Controls remediation roadmap · Carrier question prep sheet · CoreRecon MSSP savings model. No spam — one report, one follow-up from John.

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Sources: Marsh Global Insurance Market Index Q4 2025 · Howden Cyber Insurance 2025 Report · NetDiligence 2024 Cyber Claims Study · Coalition 2025 Cyber Claims Report · IBM Cost of a Data Breach 2024 · Verizon DBIR 2024. Premium ranges are estimates based on published benchmark data; actual premiums vary by carrier, policy terms, and underwriting review.

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