P03 / CYBER RISKPROFESSIONAL TOOL

Cyber Risk Exposure Calculator

Estimate your business's financial exposure to a cyber incident — including ransomware, data breach, regulatory fines, and business interruption. Toggle your security controls to see their impact.

GuideCyber-Resilient Agency: Protecting Client Data
Risk and Coverage Cluster

Professional users usually need to move between exposure sizing, limit adequacy, and scenario modelling. This cluster keeps those supporting paths shallow and crawlable.

Business Profile
£
staff
records
Industry Risk Profile
Risk Score
100
CRITICAL RISK
Estimated Total Breach Cost
£2,839,589
Recommended Cover Limit
£3,000,000
Est. premium: £73,500–£136,500 p.a.
Security Controls — Toggle What's in Place
Estimated Breach Cost Breakdown
Data Breach (per record)
10,000 records @ ~$165/record
£1,650,000
Business Interruption
~8 days downtime at daily revenue rate
£109,589
Ransomware Demand
Estimated ransom demand based on revenue & industry
£300,000
Legal & Notification
Regulatory notification, legal fees, credit monitoring
£80,000
Regulatory Fines
GDPR, CCPA, sector-specific penalties
£200,000
Reputation & Revenue Loss
Customer churn and brand damage
£500,000
Estimates based on industry averages. Actual costs vary significantly. This tool is for risk awareness only — not a substitute for a formal cyber risk assessment or broker consultation.
Cluster Hubs

Use these organising pages when you want the main calculators and supporting guides for this topic grouped in one place.

Open the risk management and coverage hubGroup exposure, coverage, limit, and capital tools within one professional cluster.Open the advisory analytics and automation hubKeep adjacent professional guides and commercial tools connected in one organiser page.
Related Calculators

Move sideways to closely related calculators without leaving the same topic cluster.

Use the Business Interruption Sum InsuredCalculate BI sum insured using gross profit, trend uplift, indemnity period, and ICOW.Use the Coverage Gap AnalysisMap policy limits against exposures across property, liability, BI, and cyber lines.Use the Total Cost of Risk (TCOR)Aggregate premiums, retained losses, admin, and risk control costs. Four scenario comparison.Use the Risk Score & Heat MapScore risks by likelihood and impact. 5×5 heat map, editable register.
Related Guides

Use these supporting explainers when you need the formula, assumptions, or decision framing behind the numbers.

Business Interruption Sum Insured: How It WorksWork through BI sum-insured logic and indemnity-period sizing.Human Life Value: How Income Replacement Maths WorksKeep protection-gap and income-replacement framing attached to the broader coverage cluster.Cyber-Resilient Agency: Protecting Client DataConnect breach exposure to control investment and coverage planning.Cyber Insurance Limits: How Adequacy Is EstimatedKeep cyber-limit adequacy and the supporting exposure logic inside the same protection path.