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Your cyber insurance comparison
Acme Technologies Inc.
Sample Quote April 29, 2026 $1M limit
Carriers
6
Price range
$1,050–$2,750
Your savings
$1,582
Best pick
At-Bay
★ Our recommendation
At-Bay
Non-Admitted · A- / VIII · Full prior acts
$1,050
per year · $810 premium + $240 fees
Lowest price of all 6 carriers
Pay-on-behalf ransomware — they front it
Broadest coverage in this comparison
Cyber risk report included free
Full security monitoring + expert advice
Prefer a different carrier? Let's talk ↓
02
All 6 carriers compared
★ Best pick
At-Bay
Non-Admitted · A- / VIII
$1,050
/ year
Premium $810 · Fees $240
Deductible $5,000
Pay-on-behalf ransomware
Cowbell
Admitted · A- / VIII
$1,290
/ year
Premium $945 · Fees $200
Deductible $5,000
Admitted
Coalition
Admitted · A- / VII
$1,820
/ year
Premium $1,482 · Fees $150
Deductible $5,000
Pay-on-behalf ransomware
CFC
Admitted · A / IX
$1,980
/ year
Premium $1,640 · Fees $150
Deductible $5,000
Admitted
Elpha Secure
Non-Admitted · A / XV
$2,050
/ year
Premium $1,500 · Fees $325
Deductible $2,500
Reimbursement ransomware
Travelers
Admitted · A++ / XV
$2,750
/ year
Premium $2,322 · Fees $200
Deductible $5,000
Highest rated A++ / XV
03
Coverage detail
CoverageAt-Bay ★CowbellCoalitionCFCElphaTravelers
Core Coverage
Breach response & remediation$1M$1M$1M$1M$1M$1M
Cyber business interruption$1M$1M$1M$1M$1M$1M
Ransomware / extortion$1M$1M$1M$1M$1M$1M
Ransomware paymentPay on behalfReimbursePay on behalfReimburseReimburseReimburse
Digital asset damage$1M$1M$1M$1M$1M$1M
BI waiting period8 hrs8 hrs8 hrs8 hrs8 hrs8 hrs
Dependent / System Coverage
Dependent BI – IT$1M—$1M$1M$1M$1M
Dependent BI – Non-IT$1M————$1M
System failure$1M—$1M$1M$1M$1M
Dependent system failure – IT$1M—$1M$1M$1M$1M
Dependent system failure – Non-IT$1M————$1M
Crime Coverage
Cyber crime$250K / $5K—$250K / $5K$250K / $5K$250K / $2.5K$1M / $2.5K
Social engineering$250K / $5K—$250K / $5K$250K / $5K$250K / $2.5K$250K / $2.5K
Client funds$250K / $5K—$250K / $5K$250K / $5K$250K / $2.5K—
Invoice manipulation$250K / $5K—$50K / $5K$250K / $5K$250K / $2.5K$250K / $2.5K
Telephone hacking$1M / $5K$50K / $5K$250K / $5K$250K / $5K$250K / $2.5K$250K / $2.5K
Crypto jacking$1M / $5K—$250K / $5K$250K / $5K$250K / $2.5K—
Additional 1st Party
Reputational harm$1M—$1M$1M$1M$1M
Breach response (outside limit)$1M—$1M$1M$1M—
Bricking$1M$50K$1M$1M$1M$1M
BYODYesYesYesYesYesYes
04
What actually matters — key differences explained
Ransomware payment
At-Bay and Coalition pay the ransom directly — you never have to come up with the funds mid-crisis. The other 4 carriers require you to pay first and seek reimbursement afterward, which can be a serious cash flow problem.
Admitted vs non-admitted
Admitted carriers (Cowbell, Coalition, CFC, Travelers) carry state guaranty fund protection. Non-admitted (At-Bay, Elpha) can offer broader coverage at lower prices without that backstop. For a $1M policy at a small agency, the practical difference is minimal.
Crime coverage
Travelers has the highest cyber crime limit at $1M. At-Bay, Coalition, CFC and Elpha offer $250K. Cowbell has no crime coverage at all. Since you hold client records, crime coverage matters.
Cyber risk report
Only At-Bay and Coalition include a cyber risk report — an outside-in scan of your systems that flags vulnerabilities and gives you a security score. The other four carriers don't include this at any price.
Price spread
The cheapest and most expensive quotes for the same $1M limit differ by $1,700 per year. At-Bay is the cheapest and has the broadest coverage — an unusual combination in insurance.
05
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