Enquire Business Insurance
Money Insurance
Protect Your Business Cash
Protects the money your business handles — in transit, on the premises, and in the safe — against theft and loss.
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Cover options
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Underwriters
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Claims support
Quick overview
It covers business cash against covered risks — theft, robbery, and loss — in specified situations: while it is being carried, while it is on your premises, and while it is held in a safe.
Why it matters
Why Is Money Insurance Important?
A significant cash loss can immediately affect a business's daily operations and cash flow. Insurance helps reduce the financial impact of covered losses and provides additional protection for businesses that regularly handle cash.
Money moves through your business every day
Cash comes in over the counter, sits on the premises, goes into the safe overnight, and travels to the bank. Money Insurance covers it in each of those situations.
What can be covered
Depending on the policy, protection applies to money in transit, on business premises, in a safe, and during specified business operations — against theft, robbery, and loss.
Who it's for
Who this cover is for
- Retail shops
- Banks, saccos, and microfinances
- Hotels and restaurants
- Schools and hospitals
- Any cash-handling business
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Money in Transit
Covers money being carried between your premises and the bank by an authorised person.
02
Money on Premises
Covers money on your business premises during and outside working hours, including overnight in a locked safe.
03
Damage to Safe
Covers damage to your safe caused during an actual or attempted theft.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
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Money in transit
Cash carried between the premises and the bank by an authorised person.
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On premises in business hours
Cash anywhere on the premises while you are trading.
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In a safe outside hours
Cash held overnight in a locked safe or strongroom.
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With authorised senior staff
Cash held by a named director or senior employee away from the till or safe.
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Damage to safe
Repair or replacement of a safe or till damaged in a theft attempt.
Key benefits
What you get with the cover
Cover Matched to How You Handle Cash
Limits set according to your estimated annual money carry and storage habits.
Safe Damage Included
Damage to your safe during a robbery attempt is covered, not just the missing cash.
Senior Staff Cover
Money held by authorised senior staff away from the till or safe can also be covered.
Simple Claims
Straightforward claims process for theft and loss of cash.
Flexible Limits
Cover levels matched to the cash your business actually handles.
Cover details
Cover limits
The figures and conditions below are typical and vary by insurer and by the extensions on your policy.
Money in Transit
Cash in the care of an authorised person between the premises and the bank or post office.
Money on Premises in Business Hours
Cash anywhere on the premises during working hours.
Money on Premises Outside Business Hours
Cash left on the premises when closed, not locked in the safe.
Money in a Locked Safe Outside Business Hours
Cash held overnight in a locked safe or strongroom — usually the highest of the on-premises limits.
Money with Authorised Senior Staff
Cash held by a named director or senior employee away from the till or safe, for example at home overnight.
Damage to Safe or Strongroom
Repair or replacement of a safe, strongroom, or till damaged in an actual or attempted theft.
Getting covered
What you'll need
To take out cover
- Business registration documents
- Description of cash-handling activities
- Estimated amount of money handled
- Details of where money is kept
- Transit arrangements where applicable
- Security arrangements
If a covered loss occurs, notify Cush or your insurer promptly and provide the required supporting documentation for assessment and settlement.
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
Cash
Coins, banknotes, cheques, postal orders, and similar negotiable instruments.
Authorised Person
An employee or courier named in the policy who carries the money in transit.
Estimated Annual Money Carry
Your estimate of the total money handled by the business over a year, used to help set appropriate cover limits.
FAQ
Frequently asked questions.
The essentials on money insurance — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsIs cash in transit covered?
Yes — money being carried to or from the bank by an authorised person is covered while in transit within the policy's limits.
What counts as money?
Money includes coins, banknotes, cheques, postal orders, and other negotiable instruments held for business purposes.
Do I need separate cover from my business property?
Cash is usually excluded from standard property policies, so a dedicated money policy is the right way to protect it.
Is damage to my safe covered, not just the missing cash?
Yes — damage to the safe caused during an actual or attempted theft can be covered alongside the loss of money itself.
Flexible cover
Matched to how you handle cash
Limits are set to your estimated annual money carry, your single-carrying amounts, and how the money is stored and moved. Talk to Cush Insurance Agency about protecting your business money.
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