Choose a Plan

For retail outlets check out the options below, choose the level of cover that best suits your business and then get an instant online quote.

How to calculate your Level of Cover

Unsure of what level best suits your needs? Our experience finds the following stock values are sufficiently insured under the below levels of cover.

Stock Level Cover Estimates
Basic – Up to $80,000
Level 1 - $80,000 - $130,000
Level 2 - $130,000 - $220,000
Level 3 - $220,000 - $400,000
Level 4 - $400,000+

If you are a Distributor with no retail premises click here

Basic Level One Level Two Level Three Level Four
Section 1: Material Damage: Limit of Liability $600,000 $700,000 $800,000 $1,000,000 $1,500,000
Accidental Damage $250,000 $250,000 $250,000 $250,000 $250,000
Flood (if available) $250,000 $250,000 $250,000 $250,000 $250,000
Glass Replacement Value Replacement Value Replacement Value Replacement Value Replacement Value
Theft (Including Cigarettes And Tobacco Products) Whilst on the Premises $15,000 $30,000 $40,000 $50,000 $50,000
Theft of Property in the Open Air $5,000 $5,000 $5,000 $5,000 $5,000
Money in Transit $15,000 $30,000 $40,000 $50,000 $50,000
Money on Premises During Business Hours $15,000 $30,000 $40,000 $50,000 $50,000
Money on Premises in Locked Safe or Strongroom $15,000 $30,000 $40,000 $50,000 $50,000
Money on Premises Outside Normal Business Hours Not in Locked Safe or Strongroom $5,000 $10,000 $10,000 $10,000 $10,000
Money at Private Residence of Insured or Employee of Insured $15,000 $25,000 $25,000 $25,000 $25,000
Personal Property, tools & effects of Directors/Employees & Visitors as per The Indemnity (g) $5,000 per person but not exceeding in the aggregate per event $20,000 $5,000 per person but not exceeding in the aggregate per event $20,000 $5,000 per person but not exceeding in the aggregate per event $20,000 $5,000 per person but not exceeding in the aggregate per event $20,000 $5,000 per person but not exceeding in the aggregate per event $20,000
General Property (Business Owned Only) $2,500 $2,500 $2,500 $2,500 $2,500
Customer Goods $2,500 $2,500 $2,500 $2,500 $2,500
Cost of Clearing Drains $10,000 $10,000 $10,000 $10,000 $10,000
Marine Transit $30,000 $30,000 $30,000 $30,000 $30,000
Section 2: Consequential Loss: Limit of Liability $590,000 $690,000 $900,000 $1,050,000 $1,450,000
* Gross Profits incl Wages $500,000 $600,000 $700,000 $850,000 $1,250,000
* Claims Preparation Costs $20,000 $20,000 $50,000 $50,000 $50,000
* Additional Increased Costs $50,000 $50,000 $100,000 $100,000 $100,000
* Accounts Receivable $20,000 $20,000 $50,000 $50,000 $50,000
Staff Employee Dishonesty/Embezzlement $20,000 $20,000 $20,000 $20,000 $20,000
OPTIONAL SECTION:
Equipment Breakdown: Limit of Liability $100,000 $100,000 $100,000 $100,000 $100,000
* Deterioration Of Stock (Spoilage)  $10,000  $10,000  $10,000  $10,000  $10,000
* Consequential Loss of Profits from Equipment Breakdown  $45,000  $45,000  $45,000  $45,000  $45,000
* Data Coverage $10,000 $10,000 $10,000 $10,000 $10,000
* Inc Costs of Working $5,000 $5,000 $5,000 $5,000 $5,000