Estimate insider threat expected loss using operational inputs you can adjust for your organization. The calculator separates the main estimate from its key cost, frequency, or timing components so security and finance teams can review assumptions, compare scenarios, and document a planning baseline. Results are estimates and should be supplemented with incident history, vendor terms, and current control evidence.
The main result expresses the modeled scenario in the unit shown. Secondary results expose the components that drive it, making assumptions easier to review and revise.
Security incident estimates are uncertain. This tool is for planning and comparison and is not legal, insurance, audit, or financial advice.
For 1.5 events/year, 40% material-loss probability, $300,000 data impact, $180,000 operational impact, and 15% recovery: net material impact is $408,000 and annual expected loss is $244,800.
The largest monetary, probability, frequency, or duration input usually has the greatest effect. Change one value at a time to test sensitivity.
Yes, where zero reflects the scenario. Inputs used as divisors must remain above zero, and the calculator will show an error when required.
No. It is a scenario-based planning estimate, not a forecast of exactly when or how an incident will occur.
Use the realistically collectible share after exclusions, deductibles, waiting periods, and coverage limits rather than the headline policy limit.
Keep baseline assumptions consistent, change only the control-related inputs, and compare the resulting exposure, cost, time, or ROI.
| Input | Unit | Role |
|---|---|---|
| Expected incidents per year | incidents | Forecast material insider events. |
| Probability of material loss | % | Chance each event produces the modeled impact. |
| Data and investigation impact | USD | Forensics, legal, notification, and data impact. |
| Operational impact | USD | Productivity, interruption, and remediation impact. |
| Insurance or recovery share | % | Expected reimbursed or recovered portion. |