Insert a row, keep the formulae

Hi all,

Is there a way for me to insert a new row into a work sheet and have it copy the formulae that were there before?
It's similar to the way Excel keep the formatting of the row above, I want to keep the formulae of the cells above. If there's a way without using macros, that would be even better!

I have attached an example sheet. I will need to insert rows on row 31, 40, 48, and 55.

Thanks a lot