Freelancers Insurance Online :: Calculators

Freelancers Insurance Online Financial Calculators

Freelancers Insurance Online is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Public Liability Insurance Calculator
Estimate your public liability insurance needs with our Public Liability Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.
Income Protection Insurance Calculator
Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.
Professional Indemnity Insurance Calculator
Estimate your professional indemnity insurance needs with our Professional Indemnity Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.
Business Insurance Calculator
Estimate your business insurance needs with our Business Insurance Calculator. Calculate the right levels of cover to protect your business operations and secure your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.


Insurance News

Why Underinsurance Is Back on the Freelance Risk List
Why Underinsurance Is Back on the Freelance Risk List
15 Sep 2026: Paige Estritori
Recent insurance industry reporting has renewed attention on a familiar but often underestimated risk for small businesses: sums insured that no longer match the real cost of recovery. For Australian freelancers, consultants and sole traders, this is not just a problem for shopfronts or factories. A laptop-based business can still rely on specialist equipment, software, a fitted-out home office, client records, portable tools, stock, or a studio space that would be expensive to replace quickly. - read more
Why Strong Insurer Results May Not Ease Freelance Premiums
Why Strong Insurer Results May Not Ease Freelance Premiums
08 Sep 2026: Paige Estritori
Recent general insurance results point to a sector that is in better financial shape than it was during the most intense period of claims inflation, severe weather losses and investment market volatility. Industry reporting on APRA data indicates that premium increases, stronger investment returns and more disciplined underwriting have helped Australian insurers rebuild margins, even as natural hazard risk and repair costs remain persistent pressure points. - read more
Why Claims Handling Scrutiny Matters for Freelancers
Why Claims Handling Scrutiny Matters for Freelancers
25 Aug 2026: Paige Estritori
Australia’s insurance sector is facing renewed attention over claims handling, with regulators and industry observers continuing to focus on delays, communication failures and the practical impact on customers when a claim becomes difficult. For freelancers, consultants and sole traders, the issue is more than administrative. A slow claim can quickly affect income, client delivery and the ability to keep a business operating. - read more
What the QBE Renewal Pricing Case Means for Freelancers
What the QBE Renewal Pricing Case Means for Freelancers
18 Aug 2026: Paige Estritori
ASIC’s Federal Court action against QBE Insurance has put insurance renewal pricing back under the microscope. The regulator alleges that some renewal communications may have given customers the impression that promised discounts had been properly applied, when the final premium calculation did not necessarily work that way. The case concerns consumer insurance, but the lesson is highly relevant for Australian freelancers, consultants and sole traders who often renew business cover while juggling client work, tax deadlines and cash flow pressure. - read more
Why Cyber Risk Is Now a Freelance Business Issue
Why Cyber Risk Is Now a Freelance Business Issue
11 Aug 2026: Paige Estritori
Cyber insurance is moving from a niche add-on to a practical business consideration for Australian freelancers, consultants and sole traders. Recent industry commentary has highlighted that smaller operators are increasingly exposed to the same digital risks as larger organisations, but often without dedicated IT teams, formal incident response plans or large cash reserves. - read more
Professionals Insurance Articles

Understanding Public Liability Insurance: A Freelancer’s Guide
Understanding Public Liability Insurance: A Freelancer’s Guide
As a freelancer in Australia, navigating the complexities of your professional landscape can be both exhilarating and challenging. Among the many considerations that come with this career choice, insurance stands as a critical component for safeguarding your financial wellbeing. - read more
The Importance of Professional Indemnity Insurance for Freelance Work
The Importance of Professional Indemnity Insurance for Freelance Work
Freelancing has become an increasingly popular career choice in Australia, offering flexibility and the opportunity to work in diverse industries. Many are drawn to freelancing for the independence it provides, allowing them to manage their own time and projects. However, with the freedom of freelance work comes responsibility, particularly when it comes to financial protection. - read more
Professional Indemnity and Public Liability Insurance: What Is the Difference for Freelancers?
Professional Indemnity and Public Liability Insurance: What Is the Difference for Freelancers?
Professional indemnity and public liability insurance protect freelancers against different kinds of business risks. This guide explains how they differ, when each may respond, and what sole traders should check before comparing policies. - read more
Freelancers and Business Interruption Insurance: Do You Need It?
Freelancers and Business Interruption Insurance: Do You Need It?
Business interruption insurance is often misunderstood, especially among freelancers. Simply put, this type of insurance is designed to protect the income of a business if operations are halted due to unforeseen circumstances. - read more
How to Choose the Right Income Protection Insurance as a Freelancer
How to Choose the Right Income Protection Insurance as a Freelancer
Income protection insurance is a type of coverage designed to replace a portion of your income if you're unable to work due to illness or injury. It's an incredibly vital form of insurance for freelancers, who may not have the same safety nets as traditional employees, such as paid sick leave or disability benefits. - read more

Knowledgebase
Insurance Deductible:
the amount that an insured is required to contribute toward an insurance claim as stipulated in an insurance policy. Otherwise known as the "policy excess".