Freelancers 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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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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