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Australia's Trusted Choice
Retail Insurance for
Australian Businesses
Retail businesses face a wide range of risks — from customer injuries and theft to property damage and staff-related claims. Retail insurance helps protect your business against these risks so you can focus on running your store with confidence.
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Who We Insure?
Whether you operate a single store or multiple locations, retail insurance can be tailored to your needs.
Brick-and-mortar retail stores
Shopping centre and strip shops
Boutiques and specialty stores
Convenience stores
Wholesalers with retail premises
Retailers selling both in-store and online
Common Retail Risks
Retail businesses are exposed to a number of everyday risks. Even small incidents can result in significant costs.
Every shop has its vulnerabilities. Here are the top risks we help you manage.
  • Customer slips, trips, and falls
  • Glass breakage
  • Theft, burglary, and shoplifting
  • Fire or storm damage
  • Damage to stock or shop fit-out
  • Employee-related claims
  • Business interruption following an insured event
What insurance do you need?
Tailor your policy to include exactly what you need, without paying for what you don't.
Public Liability
Covers legal costs and compensation if a third party is injured or their property is damaged.
  • Slips and falls
  • Property damage
Essential
Business Property & Contents Insurance
Protection for your physical assets, including building, stock, and contents against fire and storm.
  • Fire damage
  • Storm damage
Theft & Money Insurance
Cover for loss of stock, contents, or cash due to theft or armed hold-up.
  • Burglary
  • Money cover
Glass Insurance
Replacement of internal and external glass, including shopfront windows, mirrors, and signage.
  • Shopfronts
  • Display cabinets
Business Interruption Insurance
Reimburses lost income and covers fixed costs if you cannot trade due to an insured event.
  • Lost turnover
  • Increased costs
Workers Compensation
Compulsory cover for employees' medical expenses and lost wages if they are injured at work.
  • Medical bills
  • Rehabilitation
Required
Understanding Retail Context
Your insurance needs depend heavily on where and how you sell.
  • Shopping centre vs standalone

    Shopping centres often mandate higher Public Liability limits ($20M) and specific glass coverage in your lease. Standalone shops bear more responsibility for building security.
  • Online sales

    If you also sell online, you need Product Liability to cover goods once they leave your store, protecting you if a product causes harm.
  • Stock fluctuation

    Retailers with seasonal peaks (like Christmas) should consider policies that automatically increase stock sum insured during busy periods.
Comparison: Lease Requirements
Typical Centre Lease
Standard Street Shop
Public Liability
$20M
Public Liability
$10M
Glass Cover
Mandatory
Glass Cover
OPTIONAL
Our Process
How We Help You
Take the time to understand how your retail business operates
Identify common risks specific to retail environments
Compare policies from multiple insurers
Explain policy wording and exclusions in plain English
Assist with claims if an incident occurs
Our focus is on suitability, clarity, and long-term protection — not just price.
Protect your business today
Get a tailored quote for your business in less than 5 minutes.
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Frequently Asked Questions

Commonly public liability, property, theft, and business interruption.

Yes, public liability insurance responds to customer injury claims.

Theft cover can protect against stock loss, subject to limits and conditions.

Yes, but turnover and trading periods must be accurately disclosed.

Stock can be insured under contents or stock cover.

Glass cover is usually optional and recommended for shopfronts.

Yes, but online activities must be disclosed to the insurer.

Employee injuries are covered under workers compensation.

Business interruption insurance may cover lost income.

Yes. Policies can be customised to suit small retailers.
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Suite 1209, 87-89 Liverpool St, World Tower, Sydney NSW 2000
info@easybizinsure.com.au
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GS Insurance Service Pty Ltd ABN 48689471663 | ASIC Authorised Representative No: 1316709 is a Corporate Authorised Representative of Resilium Insurance Broking Pty Ltd ABN 92 169 975 973 | AFSL 460382.



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