Estimate cloud misconfiguration annual risk exposure using scenario-specific operational and financial assumptions. This calculator separates the main cost drivers, shows supporting results, and explains the formula so security, finance, and operations teams can compare scenarios consistently. Enter values from your own risk assessment, incident history, insurance terms, and response plans; the result is a planning estimate rather than a guarantee of incident frequency, recovery performance, coverage, or loss.
Annualized exposure translates event frequency and net severity into one planning value for comparing risks and controls.
This is a scenario estimate. Insurance coverage depends on policy terms, exclusions, deductibles, limits, and claim outcomes.
With 0.4 expected events per year, $250,000 gross loss, $60,000 recovery cost, and 20% reimbursement:
Frequency converts a single-event loss estimate into annualized exposure and can include fractional events, such as one event every four years.
Enter only the percentage of the modeled loss that the policy is expected to reimburse after exclusions, deductibles, and limits.
Yes. For example, 0.25 represents one event every four years on average.
No. It is a planning estimate based on your frequency, loss, and recovery assumptions, not a forecast of a specific incident.
Run low, expected, and high scenarios by changing event frequency and loss severity, then compare the annual exposure.
| Variable | Role |
|---|---|
| Expected events | Annual frequency; fractions are allowed |
| Gross loss | Business loss before recovery cost or reimbursement |
| Recovery cost | Incremental response and restoration expense |
| Insurance | Modeled reimbursed share of combined loss |