🔒 Cyber Risk Calculator
Find the Cyber Coverage Gaps Hidden in Your Policy
Most cyber policies have sub-limits, warranty exclusions, or missing endorsements the buyer never knew about. Run this 60-second assessment for specific findings across ransomware, business interruption, vendor exposure, and privacy liability — built for healthcare, e-commerce, and tech/SaaS.
What you'll get
A personalized cyber exposure report in 60 seconds
Run the assessment and you'll see exactly where your policy may be exposing you — across ransomware, BI, privacy liability, and vendor exposure.
Your Risk Score
A numerical score from 0–10 showing your overall cyber exposure level, color-coded for severity.
Specific Coverage Gaps
Exact shortfalls in your ransomware, BI, privacy liability, vendor exposure, and regulatory coverage.
Severity Rankings
Each gap ranked CRITICAL, SIGNIFICANT, or NEEDS ATTENTION so you know what to fix first.
Clear Next Steps
Specific, actionable recommendations for each gap — not vague insurance jargon.
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What we see in the field
Most cyber policies have a sub-limit or vendor exposure gap
Based on policy reviews by Direct Insurance Services across 29 states.
68%
of cyber policies we review have a ransomware sub-limit or warranty gap
$4.45M
average U.S. data breach cost (IBM 2023 Cost of a Data Breach Report)
83%
of cyber clients we review have at least one third-party vendor gap
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