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.

Business Insurance Articles

Key Factors to Consider When Comparing Business Insurance Options

Business insurance is a vital aspect of safeguarding your company's interests and mitigating potential risks. Whether you are a small startup or a well-established organization, having appropriate insurance coverage is essential for protecting your assets, finances, and reputation. - read more

How to Lower Your Insurance Costs Without Sacrificing Coverage

Insurance costs can be a significant expense for businesses in Australia, and it is crucial to understand how they can affect your bottom line. With premiums on the rise, many business owners are looking for ways to cut costs while maintaining the coverage they need to protect their operations. - read more

Essential Tips to Reduce Your Business Insurance Premiums in Australia

As a business owner in Australia, protecting your venture with adequate insurance is a non-negotiable aspect of risk management. The right business insurance acts as a safety net, guarding against unforeseen events that could otherwise derail your hard-earned progress. However, it's not uncommon for insurance premiums to dig deep into your cash reserves, challenging the balance between protection and profitability. - read more

Financing Your Business: The Role of Loans and Insurances

Starting a new business is an exciting journey filled with opportunities and challenges. One of the most critical aspects to ensure your venture's success is adequate financing. Whether you're launching a small local shop or a larger enterprise, having a solid financial foundation is essential. - read more

Common Insurance Mistakes Small Business Owners Should Avoid

Running a small business in Australia comes with its unique set of challenges and risks. One crucial aspect that every small business owner must consider is liability insurance. Liability insurance is designed to protect businesses from various claims and lawsuits that can arise in the course of their operations. Whether it's a customer slipping and falling in a store or a disgruntled employee filing a lawsuit, having the right insurance can provide a financial safety net. - read more

Insurance News

Australian Insurers Face Challenges in Cyber and AI Risk Readiness

08 Mar 2026: Paige Estritori

Recent findings from the PwC Insurance Banana Skins Survey have raised concerns about the preparedness of Australian insurers in managing emerging risks, particularly those associated with cyber threats and artificial intelligence (AI). The survey, which gathered insights from 698 insurance executives across 42 territories, including 37 from Australia, indicates that Australian insurers scored 6.6% lower on the Preparedness Index compared to their global counterparts. - read more

Rising Insurance Premiums Pose Challenges for Australian Businesses

08 Mar 2026: Paige Estritori

Businesses across New South Wales are grappling with substantial increases in insurance premiums, prompting calls for urgent reforms to alleviate financial pressures. According to Business NSW's latest Business Conditions Survey, nearly 80% of businesses have experienced double-digit hikes in insurance costs over the past year, with one in three reporting increases of 30% or more. These surges significantly outpace the annual inflation rate of 2.5%, placing an undue burden on the business community. - read more

AUB Group's Strategic Acquisition of Prestige Marks Global Growth

20 Feb 2026: Paige Estritori

In a strategic move to bolster its international footprint, AUB Group, a prominent Australian insurance broker, has announced the acquisition of UK-based Prestige for $432 million. This acquisition signifies a pivotal step in AUB Group's global expansion strategy, enhancing its presence in the international insurance market. - read more

ACCC Halts IAG's Proposed Acquisition of RAC Insurance

20 Feb 2026: Paige Estritori

The Australian Competition and Consumer Commission (ACCC) has recently opposed Insurance Australia Group's (IAG) proposed $1.35 billion acquisition of RAC Insurance. The regulator's decision is rooted in concerns that the merger could substantially reduce competition in Western Australia's home and motor insurance markets. - read more

Business NSW Advocates for Urgent Insurance Reforms to Alleviate Rising Premiums

12 Feb 2026: Paige Estritori

Business NSW, the leading business advocacy group in New South Wales, has raised alarms over the escalating insurance premiums that are placing significant financial strain on businesses across the state. Recent findings from their Business Conditions Survey reveal that nearly 80% of businesses have encountered double-digit increases in insurance costs over the past year, with one in three reporting hikes of 30% or more. These surges starkly contrast with the annual inflation rate of 2. - read more

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Knowledgebase

Term Life Insurance:
A type of life insurance policy that provides coverage for a specified period, such as 10 or 20 years.

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IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.