BTW define uptime... 7x24 with 99.999% uptime? (~max 4 hours down per year)... or is 99.99% uptime sufficient.
If you need that uptime you need to eliminate ALL single points of failure, not one router but multiple, multiple switches, multiple servers, multiple connections (possibly through multiple technologies DSL, ISDN, ATM, dark fibre), multiple locations? Look at power suplpy (independant sources) cables (network, power etc) not entering a building all at the same spot, but ALSO not merging a few miles down the road. Have multiple ISP's, have X hours of autonomy when power fails if you need autonomy for about 10 minutes, organize a generator set, with sufficient fuel, (and rotate the fuel with fresh fuel every year ) etc.etc.
So please define uptime, Allowed downtime, the time the is allowed RTO (return to operation), allowed MTBF.. based on that requirements you can estimate how much insurance in double equipment, double maintenace you can accept.