Business insurance calculators
Size up business interruption cover, think through public and employers' liability limits, and gauge what a cyber incident could cost your business.
Business Interruption Calculator
Estimate your BI exposure based on gross profit, fixed costs, payroll, and recovery period.
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Public Liability Calculator
Think through how much public liability cover your business might need for contracts and claim scenarios.
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Cyber Insurance Cost Estimator
Gauge the potential cost of a cyber incident and see an illustrative insurance cost band.
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Employers' liability is a legal requirement
Most UK employers are required by law to hold employers' liability (EL) insurance with a minimum cover of £5 million. This is separate from public liability insurance. See our public liability calculator for more context.
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Frequently asked questions
Employers' liability insurance is a legal requirement for most UK employers. The statutory minimum is £5 million of cover per incident. Many policies provide £10 million as standard. Failure to hold EL insurance can result in significant fines.
If you have employees, you almost certainly need both. Employers' liability covers claims from your own employees; public liability covers claims from third parties (customers, members of the public). They are different covers.
The indemnity period is the maximum length of time the insurer will pay out under a BI claim. Be realistic — a 12-month indemnity period may not be enough if a major loss (fire, flood) takes 18 or 24 months to fully recover from.
Yes — most commercial insurance premiums include Insurance Premium Tax at the standard rate of 12%. Use our IPT calculator to understand the tax element of your business insurance costs.