Insurance
Business insurance premiums.
Insurance captures the premiums you pay to cover the business — liability, professional indemnity, and similar policies.
Appears under Operating Expenses in the Foreqast table, as an expense. Ledger key: Insurance.
What lands here
What to watch out for
Insurance is rarely billed monthly. Premiums usually land annually or quarterly, which means the trailing 30-day average reads near zero for most of the year and then spikes in the month a policy renews — carrying that spike forward as if it repeated. This is a line to model as a contract on its renewal date, not to project from history.
Planning this line properly is what Simulating fixed costs is for.
How it's forecast
With the default setup — no extensions, no drivers, no custom projections — Insurance is projected from your own booked actuals using the trailing 30-day average: the last 30 days are summed and divided by 30 to get a daily rate, which is carried forward flat and aggregated into each week and month.
daily rate = sum of the last 30 days of actuals ÷ 30
monthly forecast ≈ daily rate × days in monthFor Insurance, €450 booked over the last 30 days gives €450 ÷ 30 ≈ €15/day, so a 30-day month projects to about €450. As new actuals import, the window rolls forward and the projection updates on its own.
Horizon: up to 24 months of history and 24 months forward. The table shows 12 months (or 13 weeks / 90 days) by default — scroll horizontally for the rest.
Want a different shape — a fixed cost, a growth trend, or a share of revenue? That's what the Custom Projection extension and driver-based forecasting are for. This page describes the default, historical-only behaviour.