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 only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.
Business Insurance – Sum Insured Calculator
Add up the replacement value for your premises, contents, stock and equipment. Estimate a Business Interruption (Gross Profit) sum based on your indemnity period. This tool totals the items you enter and produces a neat JSON summary you can send with a quote request.
Most businesses will choose ex‑GST if they can claim input tax credits.
Buildings (if you own the premises)
Main structure, internal fit‑out (if part of building), structural improvements. Tenants usually insure fit‑out under "contents" unless required by lease.
Retail stock, raw materials, work‑in‑progress, chilled/frozen stock. Consider peak stock levels if seasonal.
Portable tools & property (away from premises)
Laptops, tools, diagnostic equipment taken off‑site. Often insured under General Property/Portable.
Business Interruption (Gross Profit)
As defined in policy wordings: usually turnover minus uninsured working expenses.
How long you need cover to restore operations after a major loss.
Optional buffer applied to the BI figure to allow for extra costs (overtime, temporary premises).
If rent is a key cost, this helps sense‑check BI adequacy.
See JSON summary (for broker / quote request)
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.
In the fast-paced world of business, securing funding swiftly can be the difference between seizing an opportunity and watching it slip away. For small businesses, the urgency of quick loan approvals is often more pronounced. Each day spent waiting for approval could translate to lost revenue, hindered growth, or the inability to meet operational demands. - read more
Welcome to our comprehensive guide on the essential steps to launching your start-up successfully. Whether you're a budding entrepreneur or an experienced business owner looking to refine your approach, having a solid plan in place is crucial for success. - read more
In recent years, Australian small and medium-sized enterprises (SMEs) have increasingly turned to non-bank lenders for their financing needs. This trend reflects a significant shift in the financial landscape, with over 50% of SMEs now preferring alternative lending sources over traditional banks. - read more
The Australian Securities and Investments Commission (ASIC) has recently highlighted the need for enhanced regulatory measures within the nation's private lending sector. This call to action stems from findings that reveal inconsistencies and potential risks that could adversely affect both investors and borrowers. - read more
