Retailer insurance refers to insurance for retail businesses like brick-and-mortar shops, online stores and market stalls. Whether you’re a hairdresser, shop owner or florist, retailer insurance can help protect the business you’ve worked hard for in case things go wrong.
This could include things like if a customer accidentally trips over something in your shop, or they get sick from eating an unrefrigerated cake you made. If a negligence claim is then made against you, this could put you at risk of large costs, impact your business operations and harm your business’s reputation.
Most retail businesses will consider getting Public Liability Insurance (also known as General and Products Liability Insurance). This is designed to cover claims of injury or damage to others (including injury caused by your products), as well as legal costs in the event of a dispute. You can choose your level of Public Liability Insurance and explore other cover options like Property, Money and more when you get your Business Insurance quote.
If you provide hair beauty services like cutting, colouring, treating and styling hair, or grooming services like cutting hair, shaving, trimming beards and grooming facial hair.
If you sell flowers and floral arrangements such as bouquets, sprays and wreaths.
If you have a physical or online shop selling clothing and accessories such as jewellery, handbags, belts and shoes.
If you have a quick service physical shop, often with extended opening hours, selling a limited supply of grocery, pre-packaged food and household goods.
If you have a physical or online shop selling a limited range of fresh produce, other groceries, household goods and ready-to-eat food.
If you prepare, package and sell cuts of meat and poultry. You may also deliver packaged or boxed meat and poultry to other retail or food service customers.
If you make and sell baked goods such as bread, cakes and pastries to be taken away or eaten on-site in your shop.
If you hold a market stall selling goods to passing customers, such as homeware products, arts and crafts products or clothing items.
If you have a physical or online shop selling packaged alcoholic drinks and related accessories.
If you have a physical or online shop selling sports and vitamin supplements such as protein powder.
If you have a physical or online shop selling sporting goods and sports clothing like vests, t-shirts, caps, shorts, socks and sports shoes.
If you have a physical or online shop selling books, magazines and similar products like DVDs and CDs.
Here are some of the covers available when you get your Business Insurance. You can mix and match to create a policy with the covers you’re looking for.
For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.
Covers insured property like buildings, contents or stock, for damage from fire, storms and other covered causes2.
For certain accidental breakages of items like your shopfront windows, glass shelving and display cabinets2.
Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.
Covers insured property like business contents and stock from loss or damage due to theft2.
Cover for specified business cash, for loss caused by theft or accidental damage2.
Cover for sudden and unforeseen breakdown of your specified business machinery2.
Cover for your office’s computer systems or electronic equipment, for sudden and unforeseen breakdown or damage from specified events like fire or storm2.
Covers insured property like tools and devices while they’re away from your business premises, against specific events like theft from a locked vehicle2.
You can insure the vehicles or trailers used in your business, with different levels of cover available2.
This can provide you with a weekly benefit, if you can’t do your regular work due to a covered injury or illness2.
For professional costs if investigated or audited by the ATO or a government revenue office about taxes payable by your business2.
There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:
A Certificate of Currency is proof that you have an active policy.
A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.
Retail store owners will generally consider Public Liability Insurance to cover their businesses in the event of a liability claim. Whether you have a physical shop, hair salon, online e-commerce store or market stall, getting retailer insurance is important to protect what matters most to your business, like your cash flow and reputation.
Our Public Liability Insurance (also called General and Products Liability Insurance) is designed to cover claims that could arise from a range of different accidents. For example, if someone accidentally hurts themselves in your store, you damage someone’s property, you harm a customer with one of your products or a customer is injured because of your employee’s negligence.
When you get your Business Insurance quote, you can tailor a policy to suit your business’s specific needs. For example, you can choose a Public Liability Insurance cover limit of up to $5 million, $10 million, $15 million or $20 million. Or if you need more cover, call us on 132 818.
You may also want to get cover for other things that are important to your business. That’s why we offer a range of cover options including Property, Glass, Theft, Money and more.
For more information about what’s covered, read the Product Disclosure Statement (PDS).
It depends on a number of factors, including the type and level of cover you choose, the type of store, shop or business you run and how many staff you have.
The quickest way to get an estimate of how much it costs is to get a quote.
Running a clothing store comes with a number of risks, so it’s important to protect the business you’ve built in case things don’t go as planned and you risk facing a range of unexpected costs.
Having insurance for your shop allows you to cover the things that matter to your business, including your stock and contents and other things like your glass shopfront windows.
We insure physical and online clothing shops right across Australia, with flexible cover options to suit your needs. You can mix and match these when you get a quote online.
Mix and match our policy cover options and pay your premium by the month at no extra cost
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Speak to our Australian-based consultants specialised in business insurance
Contact us by phone, web chat, at a branch or via our claims helpline
Can’t find what you’re looking for? We’re here to help.
Talk to us over the phone or chat to us online.
You can also ask us to contact you about a Business Insurance quote.
Expert Advice is our online tool that helps you choose your business insurance cover.
It recommends cover that’s tailored for your hair or beauty business, and you can still make changes if you want to.
This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations available from this website.
