Business Insurance Online :: Calculators

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Business Insurance Online Retail 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.

Calculator results are estimates only and not quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

Retail / eCommerce – Insurance Calculator

For bricks‑and‑mortar stores and online sellers. Totals your property replacement values, estimates a Business Interruption (BI) sum, and suggests limits for Inland Transit, Public Liability and a simple Cyber limit hint. Not a quote or advice.

Business details

Business model

Public/visitor exposure (if retail)

GST treatment Most businesses claim input tax credits → ex‑GST sums.

Financier (optional)

Fit‑out & contents

Fixtures, shelving, counters, display cases, furniture, security systems, signage, glass.

Electronics, POS & IT

POS terminals, tablets, computers, servers, networking, CCTV/DVR, kiosks.

Stock / inventory

Current stock on hand

Peak season factor

High‑value items (jewellery, electronics) total

Stock at offsite/3PL (optional)

Glass & signage (optional)

External glass

Fixed signage

Business Interruption (Gross Profit)

Annual turnover ($)

Gross profit margin (%) As per policy: turnover minus uninsured working expenses.

Indemnity period (months)

AICOW / uplift (%)

Inland Transit (suggestion)

Max value per shipment

Average shipments per month

Public Liability (suggestion)

Contract/landlord required limit

Risk bias

Simple Cyber limit hint

Annual online revenue ($)

Cards processed

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Australian Parliament's Inquiry into Small Business Insurance: What It Means for You

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The Australian Parliament has initiated a comprehensive inquiry into the provision, regulation, and pricing of modern insurance products for small businesses and not-for-profit organisations. Announced on October 29, 2025, this inquiry aims to address critical issues affecting the insurance landscape for small enterprises across the nation. - read more

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Knowledgebase

Coinsurance:
A percentage of the cost of a covered healthcare service that you pay after you have paid your deductible.

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