Prepare your estimate
To be gathered to cost this item
- Quote specifying activity, turnover, employees, premises and equipment.
- Guarantees, ceilings, deductibles and exclusions of each contract.
- Annual premium to be paid, insurance taxes included.
To be checked to avoid omissions and duplicates
- A percentage of turnover is a budget assumption. No universal rate is offered: provide the rate in your quote or a documented comparable.
- To find your ratio, divide the annual premium by the annual turnover excluding VAT, then multiply by 100.
- Check for duplicates between professional liability, multi-risk, vehicle insurance and contracts included in a lease.
Documentary reference
The insurer establishes its quote based on the activity, risks and characteristics of the company. The official form helps identify contracts according to your situation; it does not provide a scale as a percentage of turnover.
Public Service · Company insurance · Publication of 07/07/2026 · Accessed October 11, 2026.
Items that may already cover this expense
Check the scope of these items before adding an amount; each expense must only be counted once.
Use this estimate in your business plan
Monthly expenses
Add this item to operating expenses if its amount is not already included in another line. For a one-off expense, use a zero monthly base and an override in the planned month.
If you purchase this service.
An annual estimate is spread over twelve months. Adjust the monthly schedule for one-off expenses, seasonality and planned due dates.
Guide updated on 14 October 2026. Parameters must come from your quotes, contracts or documented assumptions.
Choose a business model