Business Property Insurance Cost Calculator
Last updated: October 15, 2026
Estimate a commercial property insurance premium budget from building, contents, equipment, rate, risk and deductible assumptions.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated annual business property premium
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- Estimated monthly premium: —
- Total insured property value: —
- Base premium before adjustments: —
- Premium per $100 insured value: —
On this page
Quick summary: Estimate a commercial property insurance premium budget from building, contents, equipment, rate, risk and deductible assumptions.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a commercial property insurance premium budget from building, contents, equipment, rate, risk and deductible assumptions.
How to use it
Enter Insured building value ($); Contents and inventory value ($); Equipment value ($); Base annual rate per $100 insured value ($); Location and occupancy risk multiplier; Deductible and protection credit (%). Select Calculate to update the results.
How the calculation works
The model multiplies total insured building, contents and equipment value by an editable rate per $100, then applies risk and credit adjustments.
Worked example: starting scenario
| Insured building value ($) | 1200000 |
|---|---|
| Contents and inventory value ($) | 350000 |
| Equipment value ($) | 250000 |
| Base annual rate per $100 insured value ($) | 0.32 |
| Location and occupancy risk multiplier | 1.15 |
| Deductible and protection credit (%) | 8 |
| Estimated annual business property premium | $6,094.08 |
|---|---|
| Estimated monthly premium | $507.84 |
| Total insured property value | $1,800,000.00 |
| Base premium before adjustments | $5,760.00 |
| Premium per $100 insured value | $0.34 |
Important limitations
Replacement cost, coinsurance, catastrophe exposure, business income, deductibles, valuation terms and underwriting are not fully modeled. Obtain an insurer or broker quote.