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What is Money insurance?
Money insurance protects your business money by providing cover for loss or damage whether it is on your premises or in transit. Business money includes not only cash and cheques, but also items such as lottery tickets, gift cards, postal orders and stamps.

Why might you need Money insurance?
You may need Money insurance for a number of reasons.
If you keep money on your business premises
If you accept cash payments
If you frequently transport business money
If you hold lottery tickets, gift cards, postal orders or stamps
What does Money insurance cover?
Cash, cheques and postal orders
Business money in your building/s
Business money in a private residence
Business money in transit
- Clerical or accounting errors
- Business money outside of Australia
- Business money taken from an unattended vehicle
- Business money being carried by professional carriers
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How much does Money insurance cost?
Money insurance costs can vary based on your business’ size, location, industry and other factors. Every business is unique, and so is the type and cost of its policy.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Get cover that works with the risks of your business
You can select different levels of cover.
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:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
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.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Get cover that works with the risks of your business
You can select different levels of cover.
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:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
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.
How it works – buying online
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How to make a claim online
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See how much others have saved while purchasing policy through BizCover
^ 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
If you frequently handle cash and other forms of business money in your day-to-day operations, or keep business money on your premises, then you may wish to consider purchasing Money insurance.
Money insurance covers business money, which typically includes cash as well as cheques, lottery tickets, gift cards, postal orders and stamps.
Money insurance does not typically cover cash that is held outside of Australia.
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