Every dollar figure on The Downtime Bill is an estimate modeled from public infrastructure data and industry benchmarks — it is not a quote, an audit, or a measurement of your business. Every factual claim about an address traces to a public dataset row with a source URL and retrieval date. Benchmarks sit at the conservative (low) end of published ranges. Benchmark set version: 2026.07-p1.
Annual cost = per-outage-hour exposure × expected outage hours/year at your address, itemized as:
Effective outage hours scale the address’s expected annual outage hours to your open hours only (outages outside business hours don’t bill you).
Line 003 — degraded windows. Failed card transactions are counted in addition to lost sales because they occur in degraded-but-not-down windows (partial packet loss, DNS instability, modem flap) that are distinct from the full-outage hours in line 001. During these windows the doors are open and customers are buying — but card authorization fails. The 9% factor is a modeled constant at the low end of published payment-failure impact during connectivity degradation.
Line 004 — emergency IT. $260 is a modeled blended cost per emergency response (typical published SMB emergency IT rates run $125–$250/hour plus trip fees, with a 1–2 hour median engagement). Incident count is modeled as regional outage events ÷ 3, floored at 2/year.
Line 005 — churn. Visit frequency is vertical-specific (a dental patient returns ~2×/year; a convenience-store regular ~35×), so the annual value of a lost customer differs by an order of magnitude across verticals. Churn percentages sit at the low end of published walk-away/no-return rates.
| VERTICAL | REV/HR | TICKET | TX/HR | LABOR/HR | CHURN | VISITS/YR |
|---|---|---|---|---|---|---|
| Restaurant / QSR | $680 | $18 | 19 | $21 | 6% | 15 |
| Retail | $560 | $42 | 7 | $19 | 5% | 5 |
| Grocery / C-Store | $1040 | $31 | 17 | $20 | 4% | 40 |
| Fuel Station | $1220 | $24 | 26 | $19 | 3% | 35 |
| Medical / Dental | $900 | $190 | 2.4 | $34 | 8% | 2 |
| Salon / Services | $320 | $65 | 2.5 | $22 | 7% | 6 |
| Auto Repair | $780 | $310 | 1.3 | $28 | 5% | 1.5 |
| Pharmacy | $480 | $120 | 2 | $38 | 4% | 4 |
| Hotel / Lodging | $500 | $140 | 3 | $22 | 5% | 1.5 |
| Other | $600 | $45 | 6 | $24 | 5% | 6 |
Four factors compose a 0–100 score, then a letter grade (A ≥ 85, B ≥ 72, C ≥ 60, D ≥ 45, F below):
This weighting is deliberately redundancy-first: a single wired provider is the dominant, controllable outage risk for a fixed address. Grades skew tough — in modeled national distribution roughly 0.5% of addresses grade A and the median is C. That is a property of US last-mile infrastructure, not of your business.
Expected outage hours/year start from a national baseline of 14 hours (low end of published SMB connectivity-downtime surveys of 1–2 hours/month) and scale by redundancy, regional outage history, copper status, and environmental exposure. Where a dataset is unavailable for an address, the factor falls back to regional or national values and is labeled a regional estimate on every surface it touches.
Data-freshness timestamps ride along with every risk result. Addresses are used transiently for lookup and cached only as a one-way hash; a full address is stored only if you explicitly submit a form that says so.
The footer ticker runs at a modeled $9,041/second: ~20.5M US employer and POS-dependent small businesses (SBA Office of Advocacy profile) × a modeled mean annual downtime cost of ~$13.9k (this page’s benchmark panel at the 14-hour national baseline) ≈ $285B/year ÷ 31.5M seconds. It is a modeled rate for illustration — not a live measurement.
Estimates from public data and industry benchmarks. Not a quote. © 2026 Kajeet, Inc.