Covers
Theft, money and glass insurance for pubs
Theft, money and glass insurance can help when thieves take the money or stock from a pub, or the glass gets broken. Every pub has cash in the till, alcohol on the shelves and windows facing the street.
01
Cash, stock, tills and glass
Our brokers are with Grace Insurance, and Grace says this cover can help with all of these.
12345- 1
Cash
The night's takings, stolen before they're banked.
- 2
Alcohol and other stock
Spirits off the shelves and cartons from the cellar, carried out after closing.
- 3
Point of sale
The touchscreen tills behind the bar, if thieves take them.
- 4
Shopfront glass
Windows onto the street and the glass in the front doors, smashed by vandals or thieves.
- 5
Display cabinets
The glass in a display cabinet, such as the locked case for top-shelf whisky.
02
When thieves break in
Burglary insurance is the name business.gov.au uses for this kind of cover. It can cover what's stolen, damage the thieves leave behind, like a broken lock, and the other costs that come with a break-in. Your policy's terms decide which of those you can claim.
03
When the thief works for you
Theft or fraud by your own staff needs a separate cover. business.gov.au names it employee dishonesty insurance.
Employee theft can also be part of a management liability package, the cover that protects a business's directors and managers. Tick management liability on the form if you want it quoted alongside this cover.
04
Theft risks by venue
What's at risk changes with the venue, so tell your broker how yours handles cash and stock.
In Victoria and Western Australia, a nightclub's licence can require CCTV, meaning security cameras that record. Mention any cameras or alarms you have, whether the licence asks for them or not.
Say whether volunteers or paid staff count the cash, and where it's locked away until it's banked.
Kegs, cartons and bottled spirits waiting to go out the door are stock, so give your broker a rough value for what's usually on hand.
Tell your broker roughly how many cases are kept in the tasting room overnight, and whether anyone lives on the property.
Theft and glass questions
Grace names theft under property cover too, which means stolen stock can come under both. Your broker can read through your present policy and check whether it mentions stolen cash and broken glass.
Glass breakage is its own option on the form, so you can tick that one alone. Whether an insurer will quote on glass by itself is something your broker finds out when they ask for prices.
Stolen cash is on Grace's list for this cover, but each policy says whether that includes money being carried to the bank. Let your broker know who does the banking and how often.
Grace lists shopfront glass under this cover, and the terms of each quote set out which kinds of breakage it pays for. Your broker can show you that part.