What is insurance for Retail Businesses?

Running a retail store can be hard work, and it’s rewarding and exciting to see satisfied customers come through your doors. However, a thriving store brings its own risks for shop owners to consider, which is why it’s important to protect your business with the right retail insurance.

Operating a retail business brings a number of risks on a day-to-day basis – from damaged or stolen stock, theft, broken windows, or if someone is injured while on your premises. Insurance cover can help protect your business from unexpected costs.

Understanding and finding the right insurance for your retail shop can be confusing, let us help. Read on to learn how Allianz insurance covers can protect your business.

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Retail Business Insurance Covers:

Public Liability Insurance

Public Liability insurance, also known as Public and Products Liability insurance, helps to protect you if you become liable to pay compensation for injury to third parties, or damage to their property, during the course of your work.

Accidents can happen in retail stores. Imagine if a customer slipped on a wet floor, fell over loose stock, or was injured by a falling shelf in your store.

Public Liability Insurance is designed to cover claims that may arise as a result of incidents such as this for which you may be held liable. Cover may also be provided for reasonable legal costs you incur in defending a claim against you.

Public Liability Insurance may also cover reasonable legal costs you incur in defending a claim against you. Cover may also be provided for reasonable legal costs you incur in defending a claim against you. Public Liability is a compulsory cover that must be included in a Business Insurance Pack policy.

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Theft Insurance

Your business earns its income by selling goods to customers – and that can mean storing thousands of dollars’ worth of stock at your business premises. This can make your store a prime target for thieves.

Theft cover can help protect your business in the event of theft of property insured from 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 during seasonal increase periods. Note: Shoplifting is not covered.

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Commercial Property Insurance

Commercial Property insurance covers you for accidental damage to your property insured, such as your business premises, contents and stock at the insured situation from unexpected events like a storm, fire or vandalism, as well as optional cover for flood.

From displays, to facades, counters, and stock, setting up a retail store for business can be expensive. It’s important to protect your store’s assets from unexpected damage so it can be refitted and repaired or replaced if something goes wrong to help get your business back up and running as soon as possible.

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If your retail store features glass windows, doors, display cases or shelves, there is always the risk of breakage. Glass cover is designed to cover the cost of getting your business back to normal following an unexpected breakage of glass. This can include the 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 property is affected due to the broken glass, this insurance can also cover the cost of employing security guards to protect your business, and effecting temporary repairs if these are necessary.

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Get your cover in one place with our Business Insurance Pack

Our packs start with Public Liability, then you can customise yours to suit your business.

Public Liability

In the event of a claim, this cover can protect you if you become legally liable to pay compensation for injury to third parties, or damage to their property, during the course of your work.

Additional Cover Options

Commercial Vehicle

Commercial Vehicle Insurance4 can protect your vehicle in the event of accidental damage or theft, and cover your legal liability for damage to third party caused by your vehicle.


Covers the cost of repairing or replacing accidentally broken glass at your business premises such as store windows, mirrors or display cabinets

Commercial Property

Cover for accidental damage to property insured, such as your store fitout and stock, from unexpected events like a storm, fire or vandalism.

Machinery Breakdown

Covers the cost to replace or repair business machinery if it suffers a breakdown, such as electrical and mechanical machinery, boilers and pressure vessels and pressure pipe systems.

Business Interruption

Covers your lost income, profits or turnover if your store has to close as a result of unforeseen defined events, like severe storm or fire.


Cover for loss caused by theft of property insured from your store, such as your stock or equipment.


Covers the replacement money is stolen from your business premises during business hours, or outside business hours, while locked in a safe or strongroom, in transit or in custody at a private residence.

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 please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website

Workers Compensation

If your business has employees, Workers Compensation insurance may be mandatory depending on the state/s you operate in. Workers Compensation insurance can cover your employees if they are involved in a workplace accident. Allianz will work to support your business through the claims management process.

Please note that Workers Compensation insurance is not available under the Business Insurance Pack and will need to be purchased as an additional policy.

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Before you buy

Considerations for Retailers:

  • If you rent the premises for your retail store your lease may require a minimum level of public liability cover – check before you buy.
  • Your lease or landlord may also specify a minimum amount of glass cover.
More cover options

Can’t find the cover that you need online? We have an extended range of insurance covers available through our team of specialists. We're open 8:00am - 7:30pm Monday-Friday AEST

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