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    What’s covered & what’s notThings to considerBack to Business Insurance

    Theft

    This option covers you for loss or damage to contents or stock through theft or attempted theft at your premises, following violent or forced entry.

    Did you know?

    According to the Australian Government’s Institute of Criminology, there are proportionally more crimes committed against businesses than households, with the most common being burglary, followed by shoplifting*

    *http://www.aic.gov.au/crime_types/economic/business.html

    What’s typically covered?

    • Stock in trade
    • Patterns, models, moulds and designs if shown on Insurance Certificate
    • Books and stationary
    • Fixtures and fittings you are liable for, if you are a tenant
    • Advertising and display equipment
    • Computers and other equipment for storing data
    • Machinery and plant, tools, instruments and utensils of trade and equipment
    • Furniture, furnishings, carpets, curtains and internal blinds

    What’s typically NOT covered?

    • Money or negotiable instruments in excess of $500 per event
    • Jewellery, furs, bullion, property made of gold or silver or precious stones exceeding $10,000 (any one loss) and $2,000 (any one item) unless they are stock
    • Motor vehicles unless they are stock
    • Glass unless it is stock
    • Property not contained in a locked building
    • Documents, patterns, models, moulds, plans or designs unless shown on your Insurance Certificate
    • Tobacco, cigarettes or cigars unless shown on your insurance certificate
    • Loss resulting from deceptive conduct
    *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

    Things to consider

    1. If your business was broken into, would loss of business contents or stock put financial pressure on the business?
    2. If there was a break-in at your business, could damage to your premises cost your business money to repair?
    3. Does your business keep valuable goods, equipment or stock on premises, therefore increasingly the likelihood of theft?
    4. Is your business in a high theft risk area?
    5. Do you have strong physical security systems and deterrents, such as bars on windows, lock-in shutters and alarms?
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    BizCover Pty Ltd (ABN 68 127 707 975; AFSL 501769). BizCoverTM does not compare all general insurers or insurance products in the market, only those listed on our website. We act as agent of the insurer in respect of any insurance policy purchased through us and not as your agent. Any advice provided is general advice only and does not take into account your personal objectives, financial situation or needs. Please consider whether the advice is suitable for you before proceeding with any purchase, including by reading the Product Disclosure Statement or Policy Wording (available on our website). For more information about our services, including how we are remunerated, our remuneration rights if the policy is cancelled and how we deal with your personal information, please read our Terms and Conditions (including Privacy Notice), Financial Services Guide and Privacy Policy