Base Rate Calculator — Property & Liability

Client details

Client name (optional)

Building value $

Contents, equipment and stock $

Sewer backup, earthquake, flood, equipment breakdown and water damage are all written at building + contents combined.

Business interruption $

18-month gross revenue, 100% co-insurance, actual loss sustained.

Ordinary payroll — 90 days $

Liability — each occurrence

Rate card

The rates quoted on the 11 August schedule. Override any of them under “rates used” in the result.

Taxes & fees %

Claims-free discounts

Yr 1 — claims free 5 yrs

Yr 2 — claims free

Year 2 applies its discount to the Year 1 figure, not to the base rate, so the two compound.

No calculation yet

Enter the insured values on the left and press Calculate base price.

Inputs have changed since this was calculated — press Calculate base price to update.

Indicative base rate $0

Year 1$0

Year 2$0

Total insured value $0 Per $1,000 insured $0 Monthly ÷ 12 $0

Coverage	Limit	Deductible	Rate /$100	Premium

Rates used — override any of them

This is for illustration purposes only

Indicative only. This prices a schedule using the rates quoted on 11 August 2026 for that specific risk — its occupancy, construction, location and loss history. Another risk will rate differently. Treat the figure as a starting point for discussion, not a quote: it does not amend, extend or bind coverage, and it is not an offer of credit or insurance. Confirm every rate with the underwriter before it goes in front of a client.