How is commercial insurance premium calculated?

Insurers consider annual revenue, industry risk, employees, asset and stock values, liability limits, indemnity periods, claims history and optional extensions such as cyber and business interruption.

Is this calculator a final quote?

No. Get an indicative estimate and request a broker review. Commercial programmes are confirmed only after underwriting.

Commercial calculator

Business Insurance Premium Calculator for South Africa

Build an indicative commercial package estimate from industry, cover level and extensions — then request a broker review. Estimates are not final quotations.

1Your details
2Your estimate
3Get a quote

Tell us about your business

Business profile

Revenue, industry, assets and employees drive the core commercial package.

Annual revenue (R) *

Number of employees *

Industry *

Cover level *

Buildings & contents value (R) *

Replacement value of premises fixtures and contents.

Stock value (R) *

Cover options

Toggle extensions and set limits — each adjusts the indicative premium.

Public liability limit *

Get an indicative estimate and request a broker review. This is not a final premium, quotation or contract of insurance — cover is subject to underwriting and FAIS advice.

Frequently asked

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An indicative commercial package based on revenue, industry, assets, stock, employees and optional cyber, public liability and business interruption add-ons. It does not price professional indemnity, directors & officers, crime, employers’ liability or contract works — those need a separate broker review.