Business & Commercial Insurance Calculators

Commercial coverage priced the way an underwriter prices it: an experience modifier that turns past claims into future premium, limits sized against a real loss scenario, and the business interruption cover that is set by recovery time rather than by revenue.

5 calculators in this category

Which one do you need?

Workers Comp Experience Modifier (EMR) Calculator
Calculate your workers comp experience modifier from actual and expected losses with the primary/excess split, and see what each claim costs over three rated years.
Business Interruption Coverage Calculator
Size a business income limit from gross earnings less non-continuing expenses over your real period of restoration, and test it against the coinsurance requirement.
Cyber Liability Coverage Limit Calculator
Model a data breach from record count, forensics, downtime and regulatory exposure, then test it against your cyber policy limit and retention to find the gap.
Professional Liability (E&O) Limit Calculator
Size a professional liability limit against your largest engagement, test whether defence costs erode it, and check the aggregate against multiple claims in a year.
Commercial Property Blanket Limit Calculator
Compare scheduled per-location limits against a blanket limit with a margin clause, see which locations are underscheduled, and test both on a real loss scenario.

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