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FinToolSuite

B2B Insurance Calculators

Calculate cover, premiums, and claim economics for business insurance lines.

16 free calculators in this category

Critical Illness Cover Calculator

Calculate critical illness cover needed based on essential expenses, recovery period, mortgage balance, and other outstanding debts.

Cyber Insurance Calculator

Calculate cyber insurance expected value against breach risk. Enter premium and breach probability to compare deductible impact.

Directors & Officers Insurance Calculator

Estimate your Directors & Officers insurance premium using company revenue, coverage limit, and industry risk factor to budget D&O board liability costs.

Disability Insurance Calculator

Disability insurance calculator. Compute coverage gap based on income, existing coverage, target replacement rate, and working years remaining.

Employee Benefits Cost Calculator

Calculate total employee benefits cost and compensation package. Enter base salary and employer pension to project annual premium cost.

Export Credit Insurance Calculator

Calculate export credit insurance premium from exposure, rate, country risk, and payment term. Enter exposure value and base premium rate to size cover needed.

Key Person Insurance Calculator

Calculate key person insurance cover from profit attributable, years of impact, discount rate, and replacement cost. Free and educational.

Landlord Insurance Calculator

Calculate annual landlord insurance cost from property value, rent, buildings rate, liability, and contents cover. Free — no signup.

Life Insurance Calculator

Calculate life insurance coverage needed based on income replacement and financial obligations. Enter income replacement years to compare deductible impact.

Life Insurance Needs Calculator

Calculate additional life insurance needed with income replacement method. Factor debts, mortgage, children. Free — no signup.

Long-Term Care Cost Calculator

Calculate long-term care costs with inflation projection. Enter years of care and care cost inflation to size cover needed.

Long-Term Care Insurance Calculator

Calculate long-term care insurance premium from age at purchase, monthly benefit amount, benefit period, and inflation protection rider.

Product Liability Calculator

Calculate product liability expected cost and recommended insurance cover from units sold, defect rate, and claim values.

Professional Indemnity Calculator

Calculate professional indemnity insurance cover from fee income, largest contract, and claims history to project annual premium cost.

Public Liability Insurance Calculator

Estimate a public liability insurance premium from annual turnover, desired coverage limit, and an industry risk factor.

Trade Credit Insurance Calculator

Calculate trade credit insurance annual premium from credit sales, premium rate, deductible, and max claim. Free educational tool.

About B2B Insurance Calculators

Calculators for D&O liability, cyber insurance, professional indemnity, public liability, product liability, key person cover, business interruption, employer's liability, trade-credit insurance, employee benefits, and the other commercial cover lines a business runs through. Each tool takes premium / cover / deductible / claim assumptions as inputs — no jurisdiction-specific premium tables are baked in.

Frequently Asked Questions

Are these calculators a substitute for a quote?
No — they help you size cover and stress-test scenarios. Actual premiums depend on industry, claims history, jurisdiction, and underwriter judgement. Use the tools to know what to ask for, then get a quote from a broker.
What's the difference between D&O and professional indemnity?
D&O (directors and officers) covers personal liability of company leaders for management decisions. Professional indemnity covers the company against claims from clients alleging negligent advice or service. Most service businesses need both.

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