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How is the Workplace Insurance Calculated?
2025 Current Base Premiums
  • Office: 5,0 ₺/m²
  • Store: 7,0 ₺/m²
  • Restaurant: 10,0 ₺/m²
  • Factory: 15,0 ₺/m²
Risk Factors
Location Risk Factors:
  • Industrial Zone: %30 artış
  • Market/Mall/Bazaar: %20 artış
  • Business Center: %10 artış
  • Other: Standart
Building Age Factors:
  • 0-3 years: %10 indirim
  • 4-10 years: Standart
  • 11-20 years: %20 artış
  • 20+ years: %40 artış
Calculation Formula:
Business Insurance Premium = Business Area × Base Premium × Location Factor × AgeFactor
Sample Calculation:

Office, 100 m², Industrial area, 15 years old:

Base Premium: 5,0 $/m² (Office)
Location Factor: 1.3 (Industrial Zone)
Age Factor: 1.2 (11-20 years)
Premium: 100 × 5.0 × 1.3 × 1.2 = $ 780
Important Notice

These calculations are estimated values.
Actual business insurance premiums may vary depending on the rates set by yourinsurance company.
Contact your insurance company for exact pricing.

Workplace Insurance Calculation

The base premium is determined according to the workplace type.
Premium varies depending on location risk factor
m²
Total area of ​​the workplace
Year
Risk factor is applied according to the age of the building
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