Industrial Cybersecurity & OT Risk calculator

Cyber Insurance Exposure Calculator

Use this calculator to estimate cyber insurance exposure for OT and manufacturing operations. It helps teams compare expected loss elements with retained costs such as deductibles, waiting periods, exclusions, and uncovered recovery work.

What this calculator does

  • Estimate retained cyber loss exposure after considering insured scope, cost per exposure unit, and fixed deductible or uncovered costs.
  • Use it when reviewing cyber insurance limits, deductibles, downtime exclusions, and OT recovery cost assumptions.
  • The result estimates retained cost exposure after insurance assumptions.

Formula used

  • Variable cyber insurance exposure = cyber exposure units × cost per exposure unit × uninsured or retained share
  • Total cyber insurance exposure = variable cyber insurance exposure + fixed deductible and uncovered cost

Inputs explained

  • Cyber exposure units: Count downtime hours, affected systems, claims, sites, or recovery work packages used in the insurance exposure scenario.
  • Cost per exposure unit: Use expected loss per hour, per system, per claim, or per recovery package based on the policy review or risk model.
  • Uninsured or retained share: Enter the share retained by the business after insurance limits, exclusions, coinsurance, waiting periods, or coverage assumptions.
  • Fixed deductible and uncovered cost: Include deductible, waiting period cost, uninsured response work, policy exclusions, and internal recovery cost not reimbursed.

How to use the result

  • Use it to test policy limits, deductibles, downtime coverage assumptions, and recovery funding needs.
  • It is not insurance advice and should be checked against actual policy language and broker guidance.

Common questions

  • What is the cyber insurance exposure calculator for? It estimates the cost the business may retain after cyber insurance assumptions.
  • What information should I enter? Use exposure units, cost per unit, retained share, and fixed deductible or uncovered cost.
  • What does the result tell me? The result helps compare insurance limits with OT downtime and recovery exposure.
  • When is the result only an estimate? It is only an estimate when policy wording, exclusions, waiting periods, or loss assumptions are uncertain.

Last reviewed 2026-05-12.