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 licensed brokers 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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Business Insurance Articles

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

Understanding Liability Insurance: A Guide for Small Business Owners

Liability insurance is a type of coverage that protects businesses from financial losses due to claims of injury, harm, or damages made by third parties. This insurance is crucial for covering legal costs and compensation that might arise from such claims. - read more

Cybersecurity Risk Assessment: An Essential Guide for Business Owners

In today's digital age, cybersecurity has become a critical concern for businesses of all sizes. The increasing reliance on technology means that cyber threats are more prevalent than ever, making it essential for business owners to understand and manage these risks. - read more

Cash Flow Management Strategies for Small Business Sustainability

Understanding the ebbs and flows of your business finances is more than just knowing numbers; it's a vital component of your small business's longevity and success. In the ever-dynamic landscape of entrepreneurship, cash flow management emerges as a centerpiece in the grand puzzle of sustainability. Small businesses, with their limited resources, often face the pronounced challenge of maintaining a healthy financial heartbeat to thrive and grow. - read more

Business Interruption Insurance: Why It’s Crucial for Small Business Owners

Business interruption insurance is a type of coverage designed to compensate businesses for lost income and operational costs when they are unable to operate due to a covered event such as a natural disaster, fire, or other incidents that disrupt business operations. - read more

Insurance News

Australian Insurers Achieve Significant Profit Growth Amid Rising Premiums

03 Jan 2026: Paige Estritori

Australia's insurance industry has reported an after-tax profit of $6.1 billion for 2024, a substantial increase from the five-year average of $2 billion, according to KPMG's annual review. This surge is attributed to premium hikes and a year with fewer significant weather events. - read more

Rising Insurance Risk Pressures Challenge Australian Businesses

03 Jan 2026: Paige Estritori

Australian businesses are confronting heightened insurance risk pressures stemming from increased litigation, technological advancements, supply chain disruptions, catastrophic events, and geopolitical tensions. A recent report from Gallagher underscores the importance of risk insights and awareness for organizations preparing for insurance renewals. - read more

IAG's Strategic Moves Propel Profit Forecast Upward

26 Dec 2025: Paige Estritori

Insurance Australia Group (IAG) has recently announced an optimistic upgrade to its financial guidance for the fiscal year 2026, projecting a 10% increase in gross written premium (GWP) and an insurance profit ranging between $1.55 billion and $1.75 billion. This positive outlook is largely attributed to strategic acquisitions and a focus on digital transformation. - read more

Australian Insurers Face Challenges in Emerging Risk Preparedness

26 Dec 2025: Paige Estritori

Recent findings from PwC's Insurance Banana Skins Survey indicate that Australian insurers are trailing behind their global counterparts in terms of preparedness for emerging risks, particularly in areas such as cyber threats and artificial intelligence (AI). - read more

Australian Insurers Falling Behind in Cyber and AI Risk Readiness

18 Dec 2025: Paige Estritori

In an era where digital threats are escalating, Australian insurers are reportedly less prepared to manage risks associated with cyber threats and artificial intelligence (AI) compared to their global counterparts. This insight emerges from the latest PwC Insurance Banana Skins Survey, which assesses the industry's readiness to tackle emerging challenges. - read more

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Knowledgebase

Underwriting:
The process by which an insurer determines the risk of insuring a client and decides the terms of coverage.

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