Regulated industries carry higher risk multipliers due to compliance penalties and breach liability.
Hidden cost multiplier applied: IBM research shows direct productivity loss represents only ~40% of total downtime cost. Recovery, reputation, and revenue impact account for the rest.
Based on 14 hrs avg unplanned downtime/year — Gartner SMB data
Employees idle × hourly wage
IT time, vendor calls, hardware replacement
Customer churn, missed SLAs, brand damage