Business Insurance Online Retail Shop Insurance Calculator

Our Retail Insurance Calculator helps Australian retail store and eCommerce owners estimate key business insurance sums insured and liability limits. Its purpose is to reduce underinsurance risk by adding up replacement values for your shop fit-out, contents, electronics and stock, then providing guide figures for Business Interruption, Inland Transit, Public Liability and a simple Cyber limit hint. This tool provides general information only, not personal advice, and results are estimates, not a quote.

How to complete the calculator for the best result

1. Business details

Choose your business model: Retail storefront, eCommerce only, or Hybrid. If you have a shopfront, select Public or visitor exposure (Low, Medium, High) based on foot traffic and location. Choose GST treatment so your totals align with how you would normally insure and claim: many GST-registered businesses insure on ex-GST replacement cost. Add financier details if a lender requires insurance conditions to be noted.

2. Fit-out and contents

Add each major fit-out component at today’s replacement cost, including fixtures, shelving, counters, display cases, furniture, security systems, signage and glass. Aim for like-for-like replacement, including installation and freight where relevant.

3. Electronics, POS and IT

Add POS terminals, tablets, computers, servers, networking and CCTV/DVR. Use replacement cost, not depreciated value, unless you knowingly intend to insure on an indemnity basis.

4. Stock and inventory

Enter current stock on hand, then select a peak season factor if your stock increases at certain times. Add high-value items totals and any stock held offsite or at a 3PL warehouse if applicable.

5. Business Interruption (Gross Profit)

Enter annual turnover, gross profit margin, indemnity period in months, and any uplift for additional increased cost of working.

6. Inland Transit, Public Liability and Cyber

Enter typical shipment values and frequency, select any contract or landlord required liability limit, choose a risk bias, and add online revenue and card-processing method for the cyber hint.

How to interpret the results

Use the recommended sums and limits as a starting point for discussions with an insurance broker. Check that property totals reflect full replacement, and that Business Interruption aligns with realistic recovery time. Review the JSON summary as a convenient snapshot to support a quote request. Always read the relevant Product Disclosure Statement and policy wording, and confirm sub-limits, exclusions and definitions, as terms vary by insurer.