Retail Shop Insurance

Retail Shop Asset ProtectionRetail Insurance Florist shop owner

Whether you operate in a single location, part of a strip-mall or shopping centre, we have insurance programs to assist
you protect your fixtures and fittings, contents, computer equipment, POS, software and stock purchases.  Depending on your location there are even discounts for being on the inside of shopping centres and for being part of a sprinklered risk.

As your broker we ensure we have all the information to present your business to the insurers in the fullest light and obtain the best rates possible.  Retail Shop Insurance covers all retail occupations such as florists, gift shops, speciality retailers, supermarkets, jewelers, butchers and bakers to name just a few.   There are few occupations we haven’t come across.  Another benefit of comprehensive retail shop insurance is providing theft and burglary cover along with Money, Glass breakage and other key components of a great insurance program.

Business Interruption

Have you considered the impact on your business should you suffer a major loss?  After all your cash-flow is critical to your long term success and viability.  This is the policy which can assist you in relocation, any increased costs to keep trading, providing the gross profit required to continue trading and paying expenses and locating back to your original location.  This retail insurance policy section is critical to ensuring you continue trading and is a key component to any insurance program.

Management LiabilityRetail Shop Insurance - baker including retail sales

As retailers we often overlook the amount of information you give to your staff and customers. Potential claims can come from any source so Management liability includes this Professional Liability exposure, cover for breaches of statutory legislation, employment practices exposure and much more. This is carefully structured to ensure you have the best cover available in the event of litigation against you or your business.

Legal Liability

Protection from litigation is vital to protecting your business and personal assets.  We consider your own business needs to ensure that you have the cover required ensuring that you fully understand what products liability cover you have and how it differs from recall or contamination coverage.

We source legal liability cover that extends Australia wide covering you for business activities whilst out and about fulfilling your business duties. E.g. banking, collecting orders etc.

Machinery BreakdownRetail business insurance shop owners

Are you responsible for the office buildings air conditioning system.  What about the coldrooms, refrigeration and freezer equipment you have (even on Loan/lease).

We can assist with looking at your lease requirements to ensure you have the correct cover in place. We work with you to identify your exposure, implement risk management and provide insurance coverage where applicable.  This also includes extensions for deterioration of stock items where your refrigeration machinery fails and you loose the cold-chain process.

Motor Vehicles

As you know, your vehicle is your retail shop. Without it you are at directly impacting upon your ability to get to your retail business, collect urgent orders, banking duties and much more.
We work with you to ensure that your vehicle is comprehensively covered with additional benefits to assist you should the worst happen.

We have access to a full range of other insurance products which suit the Retail Industry so we are able to correctly structure an insurance program to suit your business.

Nothing can replace professional expertise advice from an experienced Specialist Insurance Broker.

To arrange a consultation with our Farm Insurance specialists either contact us today direct on 07 5313 7871 or complete the short form below.


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This advice does not take into account any of your particular objectives, financial situation or needs. For this reason, before you act on this advice, you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs.

Before you make any decision about whether to acquire the policy, you should obtain and read the product disclosure statement for the policy.

We recommend you read our Financial Services Guide for information on our services and how we are remunerated.