Theft Insurance
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What is Theft insurance?
Theft insurance covers you against loss of contents and stock as well as damage to your business premises, as a result of theft or attempted theft involving forcible or violent entry from your business premises.
Things “wandering off” is an unfortunate part of doing business for many. From your stock and tools to computers and furniture, anything could fetch a price for thieves and create an expensive headache for you.
That’s why many small businesses add Theft cover to their Business Insurance Pack to help them replace stolen items.
What does Theft insurance cover?
Stock in Trade
Your business stock and inventory
Patterns & Designs
Patterns, models, moulds and designs stated on the Policy Schedule
Fixtures & Fittings
Your fixtures and fittings (if you are a tenant), such as lights or cupboards
Furnishings & Furniture
Furniture, furnishings, carpets, curtains and internal blinds
Advertisiang & Display Equipment
Display units and advertising equipment used to promote your business
Computers & Digital Storage
Computers and other equipment for storing data, such as servers
Tools & Equipment
Machinery and plant, tools, instruments and utensils of trade and equipment
- Money or negotiable instruments (this can be insured separately)
- Motor vehicles (unless they are stock)
- Property not contained in a locked building
- Tobacco, cigarettes or cigars (unless shown on your insurance certificate)
- Jewellery, furs, bullion, property made of gold or silver or precious stones
- Glass
- Documents, patterns, models, moulds, plans or designs (unless shown on your Policy Schedule)
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3 industries who purchase Theft insurance most:
- Cabinet Makers
- Electronic Goods
- Clothing Manufacturing
- Fabricated Metal Products
- Welding Services
- Processed Food
- Candle Manufacturing
- Jewellery Manufacturing
- Nurses
- Aged Care Support Workers
- Chiropractors
- Occupational Therapists
- Physiotherapists
- Disability Plan Management
- Disability Care
Theft cover is suited to a wide range of industries and occupations in addition to the ones listed above.
How much does Theft insurance cost?
Theft insurance costs can vary based on the type of stock you hold, your business location 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:
Size of inventory
Business location
Cost of replacing equipment, fixtures, etc.
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:
Size of inventory
Business location
Cost of replacing equipment, fixtures, etc.
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
Receive extra support We
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
Colette
Disability Care Worker from
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$1,200
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$1,000
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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.
Real-life customer reviews verified by Feefo