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Business Insurance Online 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.

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. Work through the steps to total your property replacement values, estimate a Business Interruption (BI) sum, and get suggested limits for Inland Transit, Public Liability and a simple Cyber limit hint. Not a quote or advice.

Step 1 of 7

1) Business details

A few basics to tailor liability guidance and set GST display mode.

For eCommerce-only, this won’t change much.
Most businesses claim input tax credits → ex-GST sums.
If there’s a financier/lessor, your broker may need this for policy notes.
Next: add fit-out & contents items.

2) Fit-out & contents

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

Tip: enter replacement cost (not second-hand value).

3) Electronics, POS & IT

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

Include laptops, tablets and any back-office IT.

4) Stock / inventory

Add current stock and seasonality. Include stock held at offsite/3PL if relevant.

Enter what you would need to replace after a total loss.

5) Glass & signage (optional)

If you have notable glass or fixed signage, add a declared replacement value.

6) Inland Transit + simple Cyber hint

If you ship goods, add your max shipment value. If you sell online, add online revenue and card processing type.

If cards touch your own systems, cyber exposure is typically higher.

7) Business Interruption + Public Liability & results

Add turnover/margin to estimate BI, then calculate recommended sums & suggested limits.

As per policy: turnover minus uninsured working expenses.
Additional Increase in Cost of Working buffer.
When you’re ready, calculate your recommended sums & suggested limits.

Heads-up: Liability, Transit, Deterioration of Stock, Glass and Cyber terms vary by insurer. This tool totals user-entered values and uses heuristics to suggest limits. It isn’t a quote or advice.

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

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

How to use our 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.

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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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