Industrial Cybersecurity & OT Risk worked example

Cyber Insurance Exposure at 25% uninsured or retained share: a worked example

This worked example runs the cyber insurance exposure numbers for a tougher week than the baseline: 25% uninsured or retained share instead of the typical 35%. Estimate retained cyber loss exposure after considering insured scope, cost per exposure unit, and fixed deductible or uncovered costs.

The inputs for this scenario

  • Cyber exposure units: 20 units (held at the documented default)
  • Cost per exposure unit: 30,000 $ / unit (held at the documented default)
  • Uninsured or retained share: 25 % (the input this scenario stresses; the baseline uses 35)
  • Fixed deductible and uncovered cost: 75,000 $ (held at the documented default)

Working through the calculation

  • The calculation starts from the formula this tool documents: Variable cyber insurance exposure = cyber exposure units × cost per exposure unit × uninsured or retained share.
  • Total retained cyber insurance exposure works out to 225,000 $ at these inputs, and this is the headline figure for the scenario.
  • Cost per exposure unit works out to 11,250 $ / piece at these inputs.
  • Variable retained cyber exposure works out to 150,000 $ at these inputs.
  • Fixed deductible and uncovered cost works out to 75,000 $ at these inputs.

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 21.05% below the baseline at 225,000 $.
  • Use it during insurance renewal, when modeling a retention or self-insurance decision, or to quantify the residual risk a control investment would reduce. A result at this level usually justifies acting on the stressed input before touching anything else, because every other figure in the table is downstream of it.

Results at a glance

  • Total retained cyber insurance exposure: 225,000 $ (headline result)
  • Cost per exposure unit: 11,250 $ / piece
  • Variable retained cyber exposure: 150,000 $
  • Fixed deductible and uncovered cost: 75,000 $

Run it with your numbers

  • To rerun this with your own numbers, open the live Cyber Insurance Exposure calculator, set uninsured or retained share to your actual value, and adjust the remaining inputs to match your operation.

Last reviewed 2026-05-12.