Portable Contents Insurance

Covers loss or damage to portable items or stock that you usually carry around with you in the course of your business.

Why would I need Portable Contents Insurance?

The specialist equipment, tools, and communication devices that keep your business running smoothly are essential; their repair or replacement can lead to a major financial setback. Portable Contents Insurance has you covered if valuable items related to your business are lost, damaged or destroyed. 

Portable Contents icon


What does this mean for your industry?

What's covered?

  • Replace or repair your items, except portable computer equipment over two years old
  • Loss or damage to items you've individually specified
  • Loss or damage to items you've insured as a group (unspecified items)
  • Theft of any items covered
  • Worldwide cover for your portable computer equipment and mobile phones
  • New Zealand-wide cover for all other portable contents or stock

What's not covered?

  • Damage during cleaning, maintenance or repair
  • Gradual wear and tear, rust or rot
  • Items worth $5,000 or more, unless you specify them
  • Theft by an employee or family member
  • Jewellery or motor vehicles, unless they're your stock
  • More than $1,000 of money

These lists highlight some of the inclusions and exclusions in this policy. For full details of all inclusions and exclusions, see the policy document.

Portable Contents Insurance in action

A burglar sneaking away with a stolen laptop in their arms


Graphic Designer

Daniel's hotel room was burgled while he was in Sydney for a conference. Among the belongings that were stolen was his 8-month old business laptop. Fortunately, Portable Contents Insurance covers insured computer equipment and phones anywhere in the world. Daniel had specified the laptop for $5,650, and because it was less than two years old he was reimbursed for the full cost of replacement. If it had been over two years old, he would have been paid what it was worth at the time of the burglary.

A burglar tiptoeing away from an open work van, carrying a tool box


Bathroom Installer

Rahiri stepped outside one morning to find that a large amount of tools and stock had been stolen from his work van. Although the total value of the stolen goods was $20,000, no individual item was worth more than $5,000, so Rahiri was able to claim under the Unspecified Items Limit on his policy. If an employee or family member had been responsible, his Portable Contents cover would not have paid the claim. That's why Employee Theft Insurance is also worth considering.

A garage of vehicles on fire


Lawn Mower

A fire in a parking garage damaged Brett's work vehicle and $5,000 worth of tools, equipment and lawn care accessories for sale inside it. Once the details of the incident were confirmed, Brett's Portable Contents cover reimbursed him for the value of his work gear, plus the cost price of his stock. It was the owner of the parking garage who was at fault for the fire, but even if Brett had accidentally started it, his Insurance would have covered the lost items. Repair of damage to Brett's work vehicle would require Commercial Vehicle cover.

These fictional scenarios were created to illustrate the benefits of Portable Contents Insurance. All claims are subject to the terms and conditions in the policy document.

Let's get things sorted

Speak to a Small Business Insurance Consultant

Call us on 0800 500 231