Employee Dishonesty insurance
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What is Employee Dishonesty insurance?
Employee Dishonesty insurance covers your business for losses incurred by theft, fraudulent or dishonest acts by your employees, subject to obtaining Money and/or Contents insurance.
Theft is often an unfortunate a part of doing business, and sometimes the people acting badly are on staff. Employee Dishonesty cover could help you manage losses if an employee has sticky fingers.
What does Employee Dishonesty insurance cover?
Loss of Money
Caused by theft, fraud or dishonesty by an employee
Loss of Contents
Caused by theft, fraud or dishonesty by an employee
- Loss of money or contents resulting from any further act of fraud or dishonesty after you first discover that the employee has been previously engaged in provable dishonest conduct or has previous convictions for dishonest acts
- Losses discovered more than 12 months after the period of insurance has expired or more than 12 months after the termination of employment of the employee concerned
- Any director, partner, trustee or principal
- If the only proof of loss is shortage revealed by accounting records or a stock-take of inventory
- Losses that are not reported to the insurer within 21 days of the discovery of any act of fraud or dishonesty on the part of any employee
- Any broker, factor, commission agent, consignee, contractor or other agent
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3 industries who purchase Employee Dishonesty most:
- Nurses
- Aged Care Support Workers
- Chiropractors
- Occupational Therapists
- Physiotherapists
- Disability Plan Management
- Disability Care
- Cafes
- Restaurants
- Takeaway Shops
- Food Trucks
- Catering
- Bed and Breakfast Operations
- Hotel Operations
- Sporting Clubs & Associations
Employee Dishonesty is suited to a wide range of industries and occupations in addition to the ones listed above.
How much does Employee Dishonesty insurance cost?
Employee Dishonesty insurance costs vary based on your annual turnover, how many employees are covered, and other factors.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
You can select different levels of cover to suit your needs.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Number of employees being covered
Annual revenue
Worst case scenario claim size
Click here to check industry wise average prices
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select different levels of cover to suit your needs.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Number of employees being covered
Annual turnover
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
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How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
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will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
See how much others have saved while purchasing policy through BizCover
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^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Employee generally means any person employed by you under a contract of service or apprenticeship. It does not include directors, partners, trustees, or principals of a business, or a broker, factor, commission agent, consignee, contractor or other agent.
Insurers will usually accept as proof of loss, a certified statement from your auditors or accountants that shows the value of the property that is lost.
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