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 |
