Broker Tool

Incident Cost Estimator

Calculate detailed cost breakdowns for cyber incidents. Justify coverage limits with data-driven estimates based on industry benchmarks.

Step 1 of 4

Company Profile

Tell us about your client's organization

Small (51-250 employees)

$10.0M annual revenue

About This Tool

How It Works

This estimator uses Monte Carlo simulation to calculate cost ranges based on your client's industry, size, geographic presence, and incident type. The model applies multipliers from leading industry research to produce defensible estimates.

Cost Components

  • Investigation & Forensics: IR retainer, forensic analysis, threat hunting
  • Legal & Regulatory: Legal counsel, notification costs, potential fines
  • Notification: Per-record costs, credit monitoring, call center
  • Business Interruption: Revenue loss, extra expense, contingent BI
  • Ransom/Extortion: Payment, negotiation, decryption (if applicable)
  • Recovery: System rebuild, data restoration, security improvements
  • Reputation: Customer churn, PR costs, brand recovery

Data Sources

  • IBM Cost of a Data Breach Report 2023 - Per-record costs, industry multipliers
  • Verizon DBIR 2023 - Incident frequency, detection timelines
  • NetDiligence Cyber Claims Study 2023 - Claim amounts by company size
  • Coveware Q4 2023 - Ransomware payments, downtime, recovery costs

Regulatory Calculations

GDPR fines calculated as higher of 4% global turnover or EUR 20M (severe violations). NIS2 penalties for essential entities up to EUR 10M or 2% turnover. HIPAA tiered penalties based on violation category. Class action exposure estimated using historical settlement data.

Important Disclaimer

This tool provides estimates based on industry benchmarks and statistical models. Actual incident costs vary significantly based on specific circumstances, organizational response capabilities, and other factors. These estimates are for informational purposes and should not be considered as insurance advice or a guarantee of coverage adequacy.

100% Private

All calculations happen in your browser. No data is sent to any server.

7 Incident Types

Ransomware, data breaches, BEC, DDoS, supply chain, and more.

PDF Export

Download branded cost estimate reports for client meetings.