How can we help prospects estimate their financial exposure?

Make cyber exposure understandable by explaining what an attack could cost the business, rather than describing technical threats alone. The Frameworks developed the Cyber Exposure Calculator for Hiscox to help businesses quantify risks that can feel less tangible than the value of physical assets.

The Hiscox work distinguishes between financial consequences: losing customer data can create legal, reputational and compensation costs, while malware can interrupt operations or bring a business to a halt. A useful calculator connects relevant threats to potential monetary losses, giving prospects a clearer basis for understanding what is at stake.

Qualitative findings published by the Department for Science, Innovation and Technology in 2026, from UK organisations interviewed in October–November 2025, found that organisations generally did not prioritise monitoring cyber costs; those measuring impact commonly counted staff time and insurance costs rather than undertaking detailed financial calculations.

Base the estimate on the prospect's circumstances rather than a fixed recommendation. For Hiscox, The Frameworks combined existing data with user inputs in a model allowing more than a million permutations of data points, including business size, industry and existing security measures.

The calculator immediately returns insights to help business owners and managers understand their financial exposure and make informed decisions about relevant insurance cover. The Frameworks describes uncertainty about cyber exposure as a challenge that can leave businesses paying too much or too little for insurance. Asking about the business makes the estimate relevant to the prospect's own risk profile.

In 2025, Munich Re argued that understanding both the underlying risk and the coverage components is a prerequisite for cyber insurance, and that simpler explanations and clearer coverage details can help address the protection gap.