Cost of Incidents Calculator

The claim you see is never the full bill.

Insured costs — medical and comp — are just the tip of the iceberg. Building damage, downtime, overtime, hiring, and lost production sit underneath, uninsured, and usually invisible until you add them up. Move the sliders below.

Reported incident costs, annual$50,000

$5K$500K

Operating profit margin8%

1%25%

Uninsured cost multiplier

Range from established loss-control research: uninsured costs run 6 to 53× reported/insured costs.

Sales required to cover reported costs alone

$625,000

at a 8% margin, covering $50,000 in reported incident costs

Where the rest of the cost hides

— INCIDENT COST BREAKDOWN —

Reported (medical, comp)$50,000

— uninsured, usually untracked —

Property damage$176,000

Downtime$208,000

Overtime coverage$136,000

Hiring / retraining$88,000

Lost production$192,000

TRUE TOTAL$850,000

based on a 16× uninsured cost multiplier

Sales required to cover the true total

$10,625,000

including an estimated $800,000 in uninsured costs (16× multiplier) most companies never track

See how Fieldtec tracks this

Model adapted from established loss-control cost research (insured costs of $1 against uninsured costs of roughly $5–$50 in property damage plus $1–$3 in other uninsured costs) and the standard sales-required-to-cover-losses formula: Incident Costs ÷ Profit Margin = Sales Required. Figures are illustrative estimates, not a guarantee — use your own reported cost and margin for an accurate read.