Small Business Finance Business Insurance Calculator
Estimate your business insurance needs with our Business Insurance Calculator. Calculate the right levels of cover to protect your business operations and secure your financial livelihood.
Calculator results are estimates based on the inputs and assumptions used and are provided for general information only. They are not quotes, offers, approvals, eligibility assessments or personalised recommendations. Actual costs and repayments may differ.
Business Insurance – Sum Insured Calculator
Work through the steps to total replacement values for your premises, contents, stock and equipment,
and estimate a Business Interruption (Gross Profit) sum based on your indemnity period.
This is a planning tool only – not a quote or personal advice.
Step 1 of 8
1) Business profile
A few basics to set GST display mode and help label your results.
Most businesses choose ex‑GST if they can claim input tax credits.
2) Buildings (if you own the premises)
Main structure, internal fit‑out (if part of building), structural improvements.
Retail stock, raw materials, work‑in‑progress, chilled/frozen stock. Consider peak stock if seasonal.
7) Portable tools & property (away from premises)
Laptops, tools and equipment taken off‑site. Often insured under General Property/Portable.
8) Business Interruption (Gross Profit) & results
Estimate BI from annual Gross Profit and your indemnity period, then calculate recommended sums.
As defined in policy wordings: usually turnover minus uninsured working expenses.
How long you need cover to restore operations after a major loss.
Optional uplift for extra costs (overtime, temporary premises, expediting).
A sense‑check only (rent is not always included in BI “Gross Profit”).
When you’re ready, calculate recommended sums.
Heads‑up: Liability limits (Public/Product), Machinery Breakdown, Cyber, Transit, Theft limits and
Deterioration of Stock are separate policy sections. This tool totals user‑entered values and isn’t a quote or advice.
Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.
Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.
How to use our Business Insurance Calculator
Our Business Insurance Calculator helps Australian business owners estimate appropriate sums insured for key assets and business interruption. Getting sums insured right matters because underinsurance can reduce claim payments and leave you funding repairs, replacements or lost income from cash flow. Use this tool to create a practical starting point for a quote discussion and to sense-check your current policy limits.
How to complete the calculator for the best result:
1. Select your industry. This helps frame typical asset types and interruption risks for your operations.
2. Enter your location (optional). If you operate across multiple sites, use the main premises and note other sites separately when requesting a quote.
3. Choose GST treatment. If your business is GST-registered and can claim input tax credits, use ex-GST totals. If not GST-registered, use totals that include GST to reflect your true replacement cost.
4. Add financier details (optional). Include any lender with an interest in insured assets to reduce delays during quoting and claims.
Enter replacement values by section (use today’s like-for-like replacement cost, not accounting book value):
5. Buildings (only if you own the premises): include structure, fixed improvements and structural fit-out, plus demolition, professional fees and compliance upgrades where relevant.
6. Contents and fit-out: include furniture, shelving, counters, signage, security and glass, plus installation and freight.
7. Plant and equipment and electronic equipment: include tools, machinery, POS, servers and networking, plus setup and calibration.
8. Stock and materials: use peak stock levels if seasonal, and include work-in-progress if applicable.
9. Portable tools and property: include items regularly taken off-site.
Business Interruption (Gross Profit): enter annual gross profit, choose an indemnity period (how long it may take to recover after a major loss), and add an optional AICOW percentage buffer for extra operating costs. Rent per month can be used to sense-check adequacy.
Interpreting results: the calculator totals your entries and produces recommended sums and a JSON summary you can share with a broker. Treat outputs as estimates, not a quote. Liability, cyber, theft sub-limits, transit and other sections may be separate. This is general information only and does not consider your objectives, financial situation or needs; consider the PDS and TMD and seek licensed advice if needed.
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