Free IT Tool
Cyber Insurance Cover Calculator
Estimate your real-world cyber exposure across data breach response, legal, notification, business interruption, extortion and third-party liability. Outputs a suggested NZD policy limit.
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Cyber Insurance Cover Calculator
1
Step 1
Direct costs
What it costs you to get back online.
devices
NZ$
days
$60,000
$20,000$150,000
Specialist IR firms, forensic investigators, system rebuild.
$150,000
$20,000$500,000
Use a realistic figure — NZ ransom demands typically scale with company size.
2
Step 2
Liability costs
What you owe to customers, regulators and third parties.
records
$150,000
$0$1,000,000
Privacy Commissioner investigations, breach counsel, class-action defence.
3
Step 3
The result
Your recommended cyber insurance cover amount.
- IT recovery labour15 workstations × $2,000$30,000
- Business interruption$8,000 daily × 5 days$40,000
- Incident response / forensicsSpecialist response retainer$60,000
- Ransom paymentIf you choose to pay (legal in NZ, discouraged)$150,000
- Privacy breach notification2,500 records × $150$375,000
- Legal defence & finesCounsel, regulator action, civil exposure$150,000
- Subtotal$805,000
- Safety buffer+25 % to absorb the unknowns insurers see in real claims.+$201,250
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