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.

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

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Business Insurance Articles

Your Ultimate Guide to Small Business Insurance in Australia

Welcome to the comprehensive guide on small business insurance in Australia. As a small business owner, you know that the unexpected can happen at any time. Whether it's a natural disaster, an accident on the premises, or legal action from a client, the right insurance can be the lifeline that keeps your business afloat during challenging times. - read more

Navigating Cyber Threats: Essential Cyber Insurance for Your Start-up

Starting a new business venture is an exciting endeavor, but amid the myriad decisions start-up founders face, one must not overlook the importance of insurance. In today's digital-first world, the potential for cyber threats is a reality that can no longer be ignored by businesses of any size or sector, especially start-ups aiming to secure their future. - read more

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

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

The Top 5 Insurance Policies Every Australian Start-up Needs

When embarking on the entrepreneurial journey of a start-up, it's imperative to safeguard the nascent enterprise with a reliable insurance safety net. Insurance acts as a vital shield, protecting the hard work and innovation of new businesses against unforeseen events and liabilities which can arise in the unpredictable world of start-ups. - read more

Insurance News

ASIC Takes Legal Action Against RACQ Insurance Over Misleading Premium Practices

29 Sep 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has initiated Federal Court proceedings against RACQ Insurance, a subsidiary of Insurance Australia Group (IAG), alleging that the insurer misled over 570,000 customers through deceptive premium comparison pricing in renewal notices issued between September 2019 and December 2024. - read more

ACCC Examines IAG's Proposed Acquisition of RAC Insurance Amid Competition Concerns

29 Sep 2025: Paige Estritori

The Australian Competition and Consumer Commission (ACCC) has expressed concerns regarding Insurance Australia Group's (IAG) proposed A$1.35 billion acquisition of The Royal Automobile Club of Western Australia's (RAC) insurance business. The regulator warns that the deal could reduce competition in Western Australia's motor and home insurance markets, potentially leading to increased premiums and reduced service quality. - read more

ASIC Initiates Legal Proceedings Against QBE Insurance Over Alleged Misleading Pricing Discounts

29 Sep 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has filed a lawsuit against QBE Insurance, alleging that the insurer misled over half a million customers regarding pricing discounts between July 2017 and September 2022. The case centers on QBE's use of a pricing model that reduced the discounts customers should have received, affecting retirees, loyal customers, QBE shareholders, holders of multiple QBE policies, and those with claims-free histories. - read more

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Knowledgebase

Whole Life Insurance:
A type of life insurance that provides coverage for the insured's entire lifetime, with a savings component that builds cash value.

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