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Retail Insurance
Business insurance for retail shops and stores
Whether you trade from a shop or operate an online business, having the right retail insurance in place is essential. Retailers face a range of risks , including burglary, theft, property damage, cyber attacks, and business interruption, that can affect stock, business assets, and day-to-day operations.
Our retail insurance brokers work with large and small business owners to arrange tailored cover that protects your premises, equipment, and stock, and provides support in the event of the unexpected.
What cover is available for retailers?
We offer a range of insurance covers designed to help protect retail businesses. These include:
Commercial property insurance
Protect your business assets against damage, burglary or theft, fire, flood, and natural disasters. Cover is available for buildings, stock, plant, machinery, and other assets.
Business Interruption insurance
Business interruption insurance covers the revenue you would have earned, based on your financial records, had the interruption not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt. Cover starts from when your trading is halted, not from the date of damage.
Business liability insurance
Protect your business from legal claims and compensation costs. Accidents can happen in any retail environment, whether it’s a customer injury, property damage, or an allegation of negligence. Liability insurance helps cover legal defence costs and compensation costs you’re legally required to pay.
Business liability insurance solutions may include:
- Public liability: Provides public liability cover if a customer or member of the public is injured or suffers property damage connected to your business.
- Statutory liability: Helps cover certain unintentional breaches of New Zealand law.
- Employers' liability: Protection for employee injury claims not covered by ACC.
- Professional indemnity: Recommended for retailers offering advice, consulting, or specialist product recommendations.
Cyber insurance
Help your business recover from a cyber attack or data breach. With EFTPOS, online sales, cloud systems and customer records, cybersecurity is now part of everyday retail operations.
Cyber insurance can provide support for:
- Data restoration and system recovery costs
- Business interruption insurance for lost income while systems are down
- IT forensic costs to identify the breach
- Ransom or extortion demands in a ransomware event
- Public relations support to protect your reputation
Cyber attacks can affect businesses of all sizes. If you use email, websites, POS systems, or store customer information, you face cyber risk.
Contact our retail business insurance specialists
Our retail store insurance brokers understand the operational challenges of retail, from managing stock levels and customer expectations to maintaining safe premises and protecting cash flow. We help you find the right retail shop insurance at a price that suits your business stage, size, and growth plans.
When it’s time to make a claim, our team supports you through the claims process, liaising with insurers on your behalf to help your business recover as quickly as possible.
