BI Insurance Review | Agentic AI Insurance Services
🔍 Annual BI Review

Is your Business
Interruption cover
actually enough?

Most small businesses guess their BI sum insured. When disaster strikes, that guess can mean the difference between rebuilding and closing permanently. Our free tools take 2–10 minutes and give you a clear, defensible figure.

40%
of businesses never
reopen after a major loss
29%
still trading
2 years after reopening
2 min
to get your
indicative BI figure
📧 Annual BI Review Alert

Get reminded every year — before your renewal

We'll send you a BI review reminder 60 days before your renewal date. No spam — just a timely prompt to check your sum insured hasn't been left behind.

Your details are held securely. We do not share your information with third parties. Unsubscribe at any time.

✅
You're on the list!

We'll send your BI review reminder before your next renewal.
In the meantime, use the tools below to check your current cover.

Start Quick Sense Check →
The Risk

Why Business Interruption Insurance
is the most underinsured commercial cover in Australia

Property insurance covers the building and equipment. But it doesn't pay wages, rent, loan repayments or insurance premiums while your premises are being rebuilt — sometimes for 18–24 months. That's what BI insurance does.

40%
Never reopen
Of small businesses that suffer a major loss — fire, flood or storm — 40% never reopen their doors at all.
Source: FEMA / Thryv Australia
29%
Still trading at 2 years
Of those that do reopen, fewer than 1 in 3 are still operating two years later. The financial damage compounds.
Source: Thryv Australia
18–24
Months to rebuild
The average commercial rebuild takes 18–24 months from loss to reopening. Most BI policies are set to 12 months.
Source: Insurance industry data
⚖️
A note for Insurance Brokers — Professional Negligence Risk

Failure to review BI adequacy at renewal is one of the most common grounds for professional indemnity claims against brokers. A documented BI review — using these tools at every renewal — creates an evidence trail that demonstrates professional due diligence.

1
Run the Quick Sense Check with your client at renewal — takes 2 minutes
2
Print or email the BI Review Advice Note — client signs, copy goes on file
3
If the figures suggest underinsurance, complete the Full BI Calculator with the client's accountant
4
Retain the dated, signed review note as evidence of professional advice
Free Tools

Two tools. Right sum insured. Every renewal.

Start with the Quick Sense Check for a 2-minute indication. Use the Full Calculator when you need a precise, accountant-verified figure.

⚡
Quick BI Sense Check
For business owners & brokers — instant indication
⏱ 2 minutes
Select your industry from 55 SME categories
ATO benchmark GP% applied automatically
Enter annual turnover — get instant BI figure
ICW / AICW allowance built in
Print a signed BI Review Advice Note for your file
ATO BIC and ANZSIC codes shown for every industry
Start Quick Sense Check →
📊
Full BI Sum Insured Calculator
For brokers & accountants — precise calculation
⏱ 10–15 minutes with accountant
Gross Profit, Multi-Location & Gross Rentals modes
Actual turnover, UWE deductions, stock adjustments
Full payroll or Dual Wages basis
Extensions of cover — ICW, AICW, wages in lieu
Options A / B / C summary with 25% & 50% buffers
Total Declared Values schedule for insurer
Open Full Calculator →
How It Works

Four steps to a defensible BI sum insured

Whether you're a broker reviewing a client account or a business owner checking your own cover, the process takes less than 15 minutes.

1
Quick Sense Check
Select industry, enter turnover. Get an immediate indicative BI sum insured in 2 minutes.
2
Print Review Note
Generate a signed BI Review Advice Note. Client and broker sign. Goes on the file.
3
Full Calculation
If the sense check suggests underinsurance, complete the Full Calculator with the client's accountant.
4
Place Cover
Broker places the policy with a verified, documented sum insured. Client is protected.
GENERAL ADVICE WARNING: The tools on this page provide general guidance only and do not constitute financial product advice. Results are estimates based on ATO industry benchmarks and should be verified with your accountant before policy placement. Agentic AI Insurance Services · Insurance Advisernet AFSL 240549 · AR 296822
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