Business Insurance Online :: Calculators

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Business Insurance Online Business Insurance Calculator

Estimate your business insurance needs with our Business Insurance Calculator. Calculate the right levels of cover to protect your business operations and secure your financial livelihood.

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

Business Insurance – Sum Insured Calculator

Add up the replacement value for your premises, contents, stock and equipment. Estimate a Business Interruption (Gross Profit) sum based on your indemnity period. This tool totals the items you enter and produces a neat JSON summary you can send with a quote request.

Industry

Location (optional)

GST treatment Most businesses will choose ex‑GST if they can claim input tax credits.

Financier (optional)

Buildings (if you own the premises)

Main structure, internal fit‑out (if part of building), structural improvements. Tenants usually insure fit‑out under "contents" unless required by lease.

Contents & fit‑out

Fixed fit‑out, shelving, counters, furniture, point‑of‑sale, security systems, signage, glass.

Plant & equipment

Machinery, tools, compressors, ovens, mixers, refrigeration units, forklifts (unregistered), generators.

Electronic equipment

Servers, PCs/laptops, POS terminals, networking, specialist electronics, CCTV/DVR.

Stock & materials

Retail stock, raw materials, work‑in‑progress, chilled/frozen stock. Consider peak stock levels if seasonal.

Portable tools & property (away from premises)

Laptops, tools, diagnostic equipment taken off‑site. Often insured under General Property/Portable.

Business Interruption (Gross Profit)

Annual Gross Profit ($) As defined in policy wordings: usually turnover minus uninsured working expenses.

Indemnity period (months) How long you need cover to restore operations after a major loss.

Additional Increase in Cost of Working (AICOW) % Optional buffer applied to the BI figure to allow for extra costs (overtime, temporary premises).

Rent per month (optional) If rent is a key cost, this helps sense‑check BI adequacy.

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

The Importance of Adequate Insurance Coverage for Your Small Business

For small businesses, navigating the intricacies of sustainability is a critical task that can be made more manageable through the prudent use of business insurance. Understandably, many small business owners prioritize immediate operational concerns over seemingly discrete matters like insurance. However, as we will explore, insurance is not a mere formality—it's a vital backbone to enduring success. - 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

Common Insurance Mistakes Small Business Owners Should Avoid

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Must-Have Insurance Policies for Australian SMEs in 2025

In today's rapidly evolving business environment, insurance has become an essential component for the survival and success of small to medium enterprises (SMEs). As businesses navigate through uncertainties, unexpected events can pose significant threats. Insurance not only provides a safety net but also conveys a sense of stability and trust to partners and customers. - read more

Financing Your Business: The Role of Loans and Insurances

Starting a new business is an exciting journey filled with opportunities and challenges. One of the most critical aspects to ensure your venture's success is adequate financing. Whether you're launching a small local shop or a larger enterprise, having a solid financial foundation is essential. - 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

Insurable Interest:
A financial or other kind of interest in the insured item or person, necessary for a valid insurance contract.

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