What does a typical cyber claim cost for a Georgia small business?

The average cyber claim for a Georgia small business in 2025 involved ransomware, with total incident costs (ransom, recovery, lost revenue, notification) averaging $180,000 to $350,000. Even businesses that restore from backup without paying ransom face significant downtime and recovery costs. For context, a $1M cyber policy with a $10,000 deductible and a $500,000 ransomware sublimit costs roughly $1,500 to $3,000 per year for most Georgia small businesses. The premium-to-exposure ratio makes cyber one of the most cost-effective business insurance purchases available.