Free UK Insurance Calculators & Tools

Free insurance calculators from a UK broker

Premier Insurance publishes six free tools that use the same rating logic UK insurers apply, so business owners can sanity-check a renewal, budget for cover, or establish what the law actually requires — without handing over their details first.

• Public liability insurance cost calculator — indicative annual and monthly premiums by trade, turnover, headcount and limit of indemnity from £1m to £10m.
• Business insurance cost calculator — a full indicative programme across liability, property, cyber, legal expenses and commercial vehicle, with the typical packaged-policy saving.
• Business interruption calculator — the sum insured insurers expect, using the insurance definition of gross profit, plus a realistic indemnity period.
• Employers' liability checker — whether the Employers' Liability (Compulsory Insurance) Act 1969 applies to your business, including the subcontractor and volunteer traps.
• HMO and landlord cover checker — whether a standard landlord policy fits, or HMO status, tenant type, room-by-room letting or unoccupancy means you need specialist cover.
• Rebuild cost estimator — an indicative buildings sum insured by floor area, construction type and region, so the average clause never cuts a claim.

Every output is an indicative range, not a quote. Premier Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (firm reference 305009), is a BIBA member and has been broking UK commercial insurance since 1983. Call 020 8908 2426 to have a named broker review your figures.