Business Insurance Calculator.
Estimate business insurance costs including public liability, product liability, and business interruption. Find the right cover package for your business.
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Business insurance isn't a single policy — it's a package of covers tailored to your specific risks. A café needs public liability and business interruption; an IT firm needs professional indemnity and cyber liability; a tradesperson needs public liability and tools cover. This calculator helps you identify which covers your business needs and estimates the total cost of your insurance package.
Real-world scenarios
Small Café
Café with 6 employees, $600K revenue, serves food and beverages.
Recommended package: Public liability ($20M) + Product liability + Business interruption (12 months) + Workers comp. Estimated total: $3,000-$6,000/year. Tax-deductible. A customer slipping on a wet floor could result in a $200,000+ claim — $20M PL cover is essential.
IT Consultancy
5-person IT firm, $1.2M revenue, handles client data.
Recommended: Professional indemnity ($5M) + Public liability ($10M) + Cyber liability ($1M) + Business interruption. Estimated total: $6,000-$12,000/year. A data breach could cost $50,000-$500,000+ in notifications, legal fees, and fines.