Insurance for retailers

Covers for florists, grocers, clothing stores, gift shops, and more
Prefer to speak with a consultant? Call 1300 131 000.
Operating a retail business can bring a number of risks on a day-to-day basis – from damaged or stolen stock, broken windows, theft of cash, or if someone gets injured while on your premises. Our Business Insurance Pack can insure your retail business from unexpected costs arising from such events.
Pay by the month at no extra cost1.  You can pay monthly or annually at no extra cost to suit your cash flow.

From gift stores to newsagents, our Business Insurance Pack offers a range of coversin one simple-to-manage, flexible policy designed to cover businesses. Here’s a small selection of what retailers might consider.

Start with Public Liability, then you can choose additional covers to suit your business.

Accidents can happen in retail stores, such as a customer slipping on a wet floor, falling over loose stock, or being injured by a falling shelf.

Our Public Liability Insurance, included in our Public and Products Liability Insurance, covers you if a member of the public is injured, or their property is damaged, at your business premises or while using your products or services. It covers compensation you’re legally liable to pay plus your reasonable legal fees.

Public Liability Insurance is automatically included with every Business Insurance Pack when quoted online. For a quote without Public Liability cover, contact our specialist Australian-based Business team on 1300 131 000.

From displays and facades to counters and stock, setting up a retail store for business can be expensive. That’s why it’s important to cover your store’s assets from accidental and unexpected damage.

Our Commercial Property Insurance allows you to choose covers for accidental damage to your business premises, contents and/or stock. You can also choose to buy additional cover for flood.

As a retailer, your business earns its income from selling goods. This often means valuable stock is stored at a business premises, making it a prime target for thieves.

Theft Insurance covers property insured, such as your stock or equipment, for loss caused by theft if there is visible or forced entry to your business premises. This can include your stock, damage to your store caused during theft, and replacement of locks. If your store is busier over specified holiday periods, up to a 50% increase in cover for stock is provided.

It’s important to note that shoplifting isn’t covered.

Note: In order to add Theft cover to your Business Insurance Pack, you’ll need to buy Commercial Property cover.

If your retail store features glass windows, doors, display cases or shelves, there’s always the risk of accidental breakage. Our Glass Insurance is designed to cover the cost of replacing and fixing unexpectedly broken glass.

This can include the repair or replacement of signwriting and fittings surrounding your windows, as well as damage to illuminated/advertising signs or stock damage caused by the broken glass.

If the security of your business premises is affected due to glass breakage, our Glass Insurance can also cover the cost of employing security to guard your business, and carrying out temporary repairs if necessary.

Note: In order to add Glass cover to your Business Insurance Pack, you’ll need to buy Commercial Property cover.

No matter how prepared you are, life can throw unexpected events your way that can interrupt the success of your business. Our Business Interruption Insurance covers your lost income, profits or turnover as a result of unforeseen defined insured events. These can range from storms to fire.

Business Interruption Insurance is only available when you take out Commercial Property Insurance.

Note: To add Business Interruption Insurance to your Business Insurance Pack, you’ll need to buy Commercial Property cover.

Cover for a reduction in business turnover is available to buy online. To cover weekly income or loss of gross profit, call us on 1300 131 000.

If you rent the premises for your retail store, your lease may require you to take out a minimum level of public liability cover. Your lease or landlord may also specify a minimum amount of glass cover, so it’s important to check before you buy. 
Prefer to speak with a consultant? Call 1300 131 000.
This is a limited summary of some of our Business Insurance Pack covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) which are available on this website.

If your business has employees, workers' compensation insurance is mandatory in all Australian states and territories. Our Workers' Compensation Insurance can cover your employees if they’re involved in a workplace accident. We’ll work to support your business through the claims management process.

Note: Workers' Compensation Insurance isn’t available under the Business Insurance Pack and will need to be bought as an additional policy.

 Lodge a claim online 24/7 or find a number for your claims category to lodge a claim over the phone.
Our experts can help you arrange your Business Insurance. Call 1300 131 000 to speak to a Business specialist now.
Your proof of insurance, Certificate of Currency (COC), will be emailed to you instantly after purchase.
For more cover options, call 1300 131 000  to speak with a consultant.
  1. Pay by the month (Payment instalments)
    Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding and financial institution transaction fees may apply.
  2. Range Of Cover
    Acceptance criteria apply to each cover based on the characteristics of your business and the risks you’re looking to insure.


Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.