Business Insurance Online :: Calculators

Business Insurance Online Financial Calculators

Business Insurance Online is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Income Protection Insurance Calculator
Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.
Retail Shop Insurance Calculator
Estimate your retail business insurance needs with our Retail Insurance Calculator. Calculate the right levels of cover to protect your retail business and your financial livelihood.
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.


Insurance News

Storm claims surge shows why SMEs need to test their cover
Storm claims surge shows why SMEs need to test their cover
19 Aug 2026: Paige Estritori
Fresh industry updates on severe weather claims are a reminder that storm, flood and cyclone losses are no longer rare planning scenarios for Australian small and medium businesses. Claims linked to major weather systems affecting Queensland and New South Wales continue to move through insurer assessment, repair and settlement processes, with businesses facing familiar pressure points: damaged premises, interrupted trading, ruined stock, delayed repairs and uncertainty about what is actually covered. - read more
New ransomware reporting rules put SME cyber cover under scrutiny
New ransomware reporting rules put SME cyber cover under scrutiny
12 Aug 2026: Paige Estritori
Australia's mandatory ransomware payment reporting regime is now a practical compliance issue for many business owners, not just a technology concern. Under the national cyber security reforms, entities above the relevant annual turnover threshold must report certain ransomware and cyber extortion payments within a short statutory timeframe. For SMEs operating close to, or above, that threshold, the change adds another layer to an already complex risk environment. - read more
What Strong Insurer Results Mean for Business Insurance Renewals
What Strong Insurer Results Mean for Business Insurance Renewals
05 Aug 2026: Paige Estritori
Latest general insurance performance data from APRA points to an industry that remains financially resilient, with insurers benefiting from disciplined underwriting, investment income and a continued focus on pricing risk accurately. For Australian small and medium-sized businesses, that is useful context heading into renewal season, but it should not be read as a simple promise of cheaper premiums. - read more
What Rising Insurance Disputes Mean for Small Businesses
What Rising Insurance Disputes Mean for Small Businesses
29 Jul 2026: Paige Estritori
Recent industry reporting on the latest insurance complaints environment points to a clear message for Australian small businesses: the hardest part of insurance is often not buying a policy, but relying on it when something goes wrong. Disputes continue to arise around claim delays, declined claims, settlement amounts, policy exclusions and communication breakdowns between customers and insurers. - read more
Why SMEs should double-check AI insurance advice
Why SMEs should double-check AI insurance advice
22 Jul 2026: Paige Estritori
Australian businesses are increasingly using AI tools to research products, shortlist providers and understand policy options. That convenience now comes with a clear warning for small business owners: not every insurance answer surfaced by AI search is coming from a licensed, accountable or locally relevant source. - read more
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Business Insurance Articles

Understanding Business Insurance: How to Safeguard Your Australian Small Business
Understanding Business Insurance: How to Safeguard Your Australian Small Business
Welcome to the elucidative journey through the realm of business insurance and the pivotal role it plays for small businesses in Australia. In the ever-evolving business landscape, having a solid safety net is not merely an option, but a necessity to thrive amidst unforeseen challenges. - read more
Public Liability Insurance in Australia: Cover, Exclusions and Business Requirements
Public Liability Insurance in Australia: Cover, Exclusions and Business Requirements
Public liability insurance can help protect Australian businesses against third-party injury or property damage claims. Learn what it may cover, common exclusions, when it may be required and what to check before arranging cover. - read more
Must-Have Insurance Policies for Australian SMEs in 2025
Must-Have Insurance Policies for Australian SMEs in 2025
In today's rapidly evolving business environment, insurance has become an essential component for the survival and success of small to medium enterprises (SMEs). As businesses navigate through uncertainties, unexpected events can pose significant threats. Insurance not only provides a safety net but also conveys a sense of stability and trust to partners and customers. - read more
5 Common Insurance Mistakes Startups Make and How to Avoid Them
5 Common Insurance Mistakes Startups Make and How to Avoid Them
Starting a new business is an exciting and challenging endeavor, particularly in the vibrant and innovative startup landscape of Australia. However, amidst the rush of ideas and the race to launch, many startups overlook the crucial aspect of insurance. Insurance is not merely an additional cost but a vital protective measure that safeguards your emerging business against unforeseen hurdles. - read more
How to Choose the Right Insurance for Your Australian Retail Business
How to Choose the Right Insurance for Your Australian Retail Business
Running a retail business can be a risky endeavor. While you can minimize some of those risks with careful planning and management, you cannot eliminate them entirely. This is where insurance comes in. Having the right kind and amount of insurance coverage can make all the difference in protecting your business from financial loss, should the unthinkable happen. - read more

Knowledgebase
Term Life Insurance:
A life insurance that provides a cover for a specific period of time - usually one to five years or until the insured reaches age 65 or 70.

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