Industrial Cybersecurity & OT Risk worked example

Cyber Insurance Exposure at 40% uninsured or retained share: a worked example

Push uninsured or retained share up to 40% and the picture changes. This example computes every intermediate figure at that operating point. Use it when reviewing cyber insurance limits, deductibles, downtime exclusions, and OT recovery cost assumptions.

The inputs for this scenario

  • Cyber exposure units: 20 units (unchanged)
  • Cost per exposure unit: 30,000 $ / unit (unchanged)
  • Uninsured or retained share: 40 % (raised for this scenario; the documented default is 35)
  • Fixed deductible and uncovered cost: 75,000 $ (unchanged)

Working through the calculation

  • Applying the documented formula (Variable cyber insurance exposure = cyber exposure units × cost per exposure unit × uninsured or retained share) to the inputs above produces each figure below.
  • At this operating point the engine returns 315,000 $ for total retained cyber insurance exposure, the number this scenario is built around.
  • At this operating point the engine returns 15,750 $ / piece for cost per exposure unit.
  • At this operating point the engine returns 240,000 $ for variable retained cyber exposure.
  • At this operating point the engine returns 75,000 $ for fixed deductible and uncovered cost.

How this compares with the baseline

  • Against the tool's baseline example, where uninsured or retained share sits at 35% and the headline result is 285,000 $, this scenario comes in 10.53% above the baseline at 315,000 $.
  • It estimates total retained cyber exposure by scaling exposure units and their cost by your uninsured share, then adding fixed deductible and uncovered cost. The value of this scenario is the size of the gap it exposes: that gap, priced out over a year, is the budget you can justify spending to close it.

Results at a glance

  • Total retained cyber insurance exposure: 315,000 $ (headline result)
  • Cost per exposure unit: 15,750 $ / piece
  • Variable retained cyber exposure: 240,000 $
  • Fixed deductible and uncovered cost: 75,000 $

Run it with your numbers

  • Every input above is editable in the live Cyber Insurance Exposure calculator, which recalculates instantly and can be shared with the inputs intact.

Last reviewed 2026-05-12.