Turn theft risk details into pricing estimates. See how alarms, cameras, and deductibles affect costs. Use the report to plan coverage and budgets today.
Estimate commercial theft insurance premiums using risk inputs. Compare limits, deductibles, security measures, and claims quickly. Download results as CSV and PDF for records securely.
This calculator uses a transparent pricing model to estimate premium. It combines your selected limits with rate and risk multipliers.
| Scenario | Business | Risk | Limits (Property / Money) | Deductible | Security | Expected Premium Range* |
|---|---|---|---|---|---|---|
| Conservative | Office | Low, index 2 | $60,000 / $2,000 | $2,500 | Monitored alarm, CCTV | $250–$500 |
| Balanced | Retail | Medium, index 5 | $150,000 / $5,000 | $1,000 | Alarm, inventory audits | $700–$1,400 |
| Cash Heavy | Restaurant | High, index 7 | $120,000 / $20,000 | $1,000 | Safe, CCTV, lighting | $1,000–$2,000 |
| Higher Exposure | Warehouse | Very high, index 9 | $300,000 / $10,000 | $500 | Basic controls | $2,000–$4,000 |
*Ranges are illustrative. Your calculated estimate uses the inputs you provide.
Retail and storage firms usually face higher theft frequency than offices. In this calculator, the property rate starts near 1.20 per 1,000 for retail and 0.60 for offices. Location also matters: a low-risk area uses about 0.80, while very high uses about 1.60. A crime index of 1 maps near 0.85, and 10 maps near 1.30.
Start with replacement values for contents, inventory, and equipment. If those total 150,000 and money exposure is 6,000, the insured value becomes 156,000 before options. Adding 25,000 employee dishonesty increases modeled exposure to 181,000. If you override the policy limit to 250,000, the estimate treats that as the limit driver even if item totals are lower.
Security measures reduce losses and receive a capped discount. A monitored alarm, cameras, and a safe can generate roughly 14% credit, but the model limits total security savings to 25%. Cash-heavy operations also receive a separate money load; for example, 10,000 typical cash can add about 6% to the money portion.
Higher deductibles reduce premium through a gradual curve. Moving from a 500 deductible to 2,500 often lowers the deductible multiplier toward 0.90. Claims raise premium: each prior theft claim adds about 12%, plus a small load from paid amounts. Five years in business can reduce uncertainty slightly. Ten years of clean history can improve pricing assumptions slightly.
Use the annual figure for planning, then divide by twelve for cash flow. Compare scenarios by adjusting one input at a time: location risk, coinsurance, or security. Coinsurance at 80% applies about 1.05, while 100% can reduce near 0.97. Save each run as CSV or PDF, and document the assumptions used for each scenario. If the estimate falls below 250 annually, the model applies a minimum premium to keep outputs practical.
It estimates an annual and monthly premium for theft-related coverages using your limits, risk factors, and security controls. It is not a quote and does not replace underwriting rules from an insurer.
Use realistic replacement costs for contents, inventory, and equipment. Review recent invoices and include tax and delivery where applicable. If you expect seasonal inventory spikes, model both average and peak values to avoid underinsurance.
Each security control adds a discount, capped at 25%. Monitored alarms usually contribute the most, followed by cameras and access controls. If you add many measures, the cap prevents unrealistic premium reductions.
Cash and negotiable items are attractive targets and often have faster loss settlement. The model uses a higher base rate for money and can apply an extra load when typical cash-on-premises is high.
Claims increase the claims multiplier. Each theft claim adds a percentage load, and larger paid totals add a smaller incremental load. If you have zero claims for three years, the factor stays close to one.
Yes, but label them as estimates. Include the inputs, date, and currency. For formal proposals, pair these outputs with insurer indications or broker quotes so decision makers understand binding terms.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.