Ransomware Downtime Loss Forecaster

Quantify the financial damage from a ransomware outage by combining hourly revenue exposure, downtime, insurance coverage, and any response spend. The model reports lost revenue, insured recovery, net cash impact, lost gross profit, and the cost per minute of the incident to inform tabletop exercises and coverage reviews.

Blend online sales, contractual penalties, and service-level credits per hour of disruption.
Total hours systems are offline or degraded.
Share of lost revenue your cyber insurance is expected to reimburse.
Optional. Enter forensics, legal, PR, hardware rebuilds, or ransom payments if applicable.
Optional. Leave blank to assume 55% gross margin when estimating lost profit.

Financial estimates depend on actual policy wording and incident scope; coordinate with cyber insurance, finance, and legal teams for binding decisions.

Examples

  • $185,000 hourly revenue, 14-hour outage, 45% coverage, $250,000 response, 58% margin ⇒ Revenue at risk: $2,590,000.00 USD • Estimated insured recovery: $1,165,500.00 USD • Net uninsured revenue loss: $1,424,500.00 USD • Lost gross profit at 58.00% margin: $1,502,200.00 USD • Incident response & recovery spend added: $250,000.00 USD • Total cash impact: $1,674,500.00 USD • Outage cost per minute: $3,380.95 USD
  • $62,000 hourly revenue, 6-hour outage, 20% coverage, no response spend, defaults on margin ⇒ Revenue at risk: $372,000.00 USD • Estimated insured recovery: $74,400.00 USD • Net uninsured revenue loss: $297,600.00 USD • Lost gross profit at 55.00% margin: $204,600.00 USD • Incident response & recovery spend added: $0.00 USD • Total cash impact: $297,600.00 USD • Outage cost per minute: $1,033.33 USD

FAQ

How do I include productivity loss that persists after systems return?

Extend the downtime hours to cover the recovery window or run the calculator twice—once for the outage and again for the degraded period—then combine the totals.

Can I model self-insured retention or policy limits?

Reduce the insurance recovery percentage to reflect retentions, coinsurance, or exhausted limits so the uninsured loss matches your policy language.

What if I receive a ransom demand I decide to pay?

Add the ransom to the incident response field along with forensics, negotiation, and restoration costs so the calculator captures the full cash impact.

Does this cover regulatory fines or litigation costs?

Not automatically. Add expected legal or regulatory expenses to the response spend input or run a separate scenario for those tail risks.

Additional Information

  • Hourly revenue should include contractual penalties or SLA credits tied to downtime, not just top-line sales.
  • Insurance recovery is capped at the percentage you enter; increase or decrease the rate to mirror policy sublimits and waiting periods.
  • Cost-per-minute figures include both revenue loss and optional response spend to help benchmark business continuity investments.

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