Grocery Store Insurance

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Insurance for Convenience Stores

... of covers to suit your business needs Compare quotes from our trusted insurance partners*: Why do Convenience Stores need insurance? Last minute groceries, afternoon snacks, and bottles of 'don't forget the' milk is what ...

A small business owners guide to staying motivated

... suit your business and its needs. From accountants to dog groomers, grocery store owners and plumbers we provide a range of insurance products from the basics like Public Liability and Professional Indemnity to Business ...

5 insurances every convenience store owner needs to know about

... best way to insure it? Let's take a quick look at some of the risks your convenience store is exposed to and how insurance can help safeguard it from potential disasters. Dealing with the public In retail, you deal with ...

Preparing your store for the holiday season ahead

... in place to monitor everything that goes on in your store and be clear with them that you have zero tolerance ... systems and data. Therefore, a Cyber Liability insurance policy can act as your safety net against data ...

Retail risk management: 7 common retail store challenges

... . However, accidents can still happen, and this is where Public Liability insurance comes into play. This coverage is designed to protect retail stores against claims of customer injuries. It also assists with the legal ...

5 reasons you should review your business insurance this Christmas

... , and for the year ahead. Here are 5 reasons why you should review your business insurance policy this Christmas. 1. Influx of In-store Customers The first thing you need to consider is the increase in customers around ...

The Reality of Retail- Real Life Claims and How Business Insurance can Help

... from theft, attempted theft or armed hold up. It is not unusual for theft insurance to need the item stolen to have been securely stored before the theft and for there to be evidence of forcible entry in the commission ...

5 reasons to consider cyber liability insurance for your business

... to help manage this risk. 2. Your business uses or stores customer personal data Cyber Liability insurance may be essential if your business uses, stores or shares any personal information regarding your customers or ...

Insurance for Gift Shops

... * If you operate through a shop, you want customers in your store. Public Liability insurance is designed to provide protection for you and your gift shop business in the event a customer, supplier or a member of ...

A Mumpreneurs Guide to Understanding Business Insurance

... so many systems and information stored online, Cyber Liability is there to provide an extra layer of security and protection for your online business. Cyber Liability insurance safeguards you from claims and supports ...

Cyber Liability Insurance

... business? The amount and personal nature of customer data you store and the security arrangements in place to protect that data Who benefits from this type of Insurance: Any business that trades via a website or online ...

Earthmoving and Excavators Insurance

... to lease commercial office or warehouse space where you can run your business and store your tools and equipment. Business Insurance* A lot can go wrong when you run an excavation and earthmoving business. You ...

Common small business insurance claims and how to prevent them

... of business each day to store cash or other particular valuables. Lastly, if you are in a high crime area, consider using a private security service. Recommended reading: What is Theft Business Insurance 2. Storm Damage ...

Understanding Insurance for Retailers

... is for a customer or supplier to trip over when visiting your store and injure themselves for a claim to occur- something no retailer needs. 2. Business Insurance Pack* Your customers help keep the til l s rolling over ...

Home Based Business Insurance

... consequences if the client data you had stored was compromised. The impact could be devastating to your business. Cyber liability insurance is a type of business insurance product, which protects your business against ...

Do I Need Public Liability insurance?

... regardless of whether it is true, with Public Liability Insurance. Let the insurers and lawyers take care of the claim ... a customer tripped over some merchandise in your store and brought a claim against you for negligence ...

What’s the difference between Public and Product Liability insurance?

... some boxes of stock in the aisle of their store, customers can easily trip over these causing injury. If ... . There's no paperwork or hard-to understand insurance jargon, just insurance made easy. Get your quote today . * ...

Debunking insurance myths – common insurance misconceptions

... s take a look at some of the types of scenarios and insurance coverages that you may need to consider. You have clients coming ... of your negligent business activities. You may store stock for your business at your home ...

A sole traders and freelancers guide to business insurance

... tradie , a graphic designer or run an online retail store , there's one thing that sole traders and ... clients you may need to have a certain level of Public Liability insurance in place. It is always wise to keep a copy of ...

Insurance for Nurses

... or possibly drain your assets. Thankfully, Professional Indemnity insurance is there to give you peace of mind if ... . Cyber Liability* If you collect and store information about your patient consider the consequences ...

Insurance for Retailers

... have made it this far, you may be interested in … How much does Public Liability Insurance cost for Retailers? Preparing your store for the holiday season ahead Prevent & Protect – The Big Burglary Buffer What is Public ...

Public Liability Insurance Explained

... tripping over a box of stock in a retail store to a beauty professional using a product that causes ... and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for ...

Insurance for Roofers

... a roof over their heads. Did you know? Portable Equipment* insurance can help you protect the many different tools you need to ... help you safeguard some of the items you store in your warehouse space or office. That ...

4 essential tips for buying cyber insurance

... or using a point-of-sale system. Do I store private data about my customers? This may include ... make a claim. 4. Take steps to reduce risk Cyber Liability insurance can help your business get back to work after an attack ...

5 Surprising Things Business Insurance Can Cover

... in and get the information they're after. And if you store sensitive information about your employees or clients you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for all kinds of ...

7 Common Types of Small Business Insurance

... your personal assets too. Related: Management Liability Insurance explained 6. Cyber Liability Insurance If you have a website for your business or you store sensitive customer information on your computers or laptops ...

Don’t let your business be an online target – what you need to know about Cyber Liability Insurance

... in fact any digital platform to share or store information inc luding simple emails, you are a ... how easily a breach can happen. Cyber Liability insurance can provide financial protection by covering: Forensic investigation ...

Business Insurance Guide for the Self-Employed – Part 4

... recover following his injury. His Personal Accident and Illness insurance provided a weekly benefit of $1,700 a ... platform Communicating via email If you handle or store customer data Use an EFTPOS machine for retail ...

5 signs it might be time to switch business insurance companies

... from a trustworthy insurer. It's time to put your new policies in place. Buy your new insurance cover and store the paperwork (policy documents and certificates of currency) someplace safe. 5. Cancel your old cover Last ...

Insurance for Management Consultants

... not at fault. That's where Professional Indemnity insurance comes in. Your policy can help manage common ... cybercriminals for a couple of reasons: One, you store a lot of sensitive information about your clients that can ...

Sole trader insurance myths, debunked

... trader , you are your business. Sole traders often interact with clients, store sensitive data, and provide advice. Operating without insurance can jeopardise your personal finances if you ever face a claim. A single ...

Dishing up the facts on food business insurance

... over at your business premises could end up costing you more than a few boxes of groceries! Public Liability insurance is designed to protect your business against such claims by covering your legal and defence costs ...

Business Insurance

... premises, in transit or temporarily stored in a private residence. Employee Dishonesty Covers financial loss from dishonesty of employees. Portable Equipment Portable Equipment insurance (also known as General Property ...

Insurance for Handymen

... of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and compensation ... door, and compensation for the damaged items that were stored in the cupboard. The total claim came to an ...

6 areas you may not have thought business insurance covers

... be easily identified. And always back up information stored on portable electronic equipment. 4. Building If ... 75,000. 5. Money Did you know your Business Insurance policy can also provide cover for money that belongs to ...

The ultimate guide to business insurance for real estate agents

... due to an event such as a fire, would you still be able to earn an income? Cyber Insurance When you are handling and storing client data, the implications for your business if there was a breach or it was s tolen or ...

Am I Covered? Theft Insurance vs Building & Contents

... storm, wind). These policies only cover the buildings where you operate. It does not cover the items stored inside. Contents insurance * covers the loss of or damage to items such as business equipment, stock, plant and ...

Public Liability Insurance NSW

... unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and ... types that are classified as Retailers, from toy stores and florists to restaurants or catering services. ...

Public Liability Insurance WA

... 70.82 per month in 2018 for Public Liability insurance through BizCover . There is a wide variety of ... business types that are classified as Retailers, from toy stores and florists to restaurants or catering services. Each ...

Public Liability Insurance NSW

... types that are classified as Retailers, from toy stores and florists to restaurants or catering services. Each ... and counting. Built for small business We know insurance and what makes small businesses tick. Clear and ...

Cyber Insurance: Is it worth it?

... physical addresses compromised. Fortunately financial information was stored separately and not stolen but this still ... information, you need it. Isn't my other insurance cover enough? Take time to review your current ...

Insurance for Marketing Consultants

... Liability Consider the client data or personal information you may be storing and the consequences if it were to be compromised. A cyber liability insurance policy is designed to help protect you from claims and support ...

Public Liability Insurance QLD

... can expect to pay for Public Liability insurance in Queensland is around  $76.81  per month. There are many business types that are classified as Retailers, from gift stores and florists to cafes or catering services ...

What is Business Insurance?

Insurance for Mobile Food Vans

... (it will not cover your mobile food van!).  It is not uncommon for theft insurance to require the item stolen to have been securely stored before the theft and for there to be evidence of forcible entry in the commission ...

Insurance for Consultants

... liability risks. Cyber Liability* Consider the client data you may storing and the consequences if your systems were compromised. A cyber liability insurance policy is designed to help protect you from claims and support ...

Insurance for Land Surveyors

... and choose the cover options that suit your business needs best. Cyber Liability Insurance* Take the time to consider the client data you are storing and the potential consequences if it were compromised. Cyber Liability ...

Insurance for IT Professionals

... , machinery breakdown, repairs, theft, restoration or even business interruption insurance. Cyber Insurance* Consider the client information or data you may be storing. Do you have plan if your systems suffer a data ...

Insurance for Accountants

... Do you rely on electronic equipment/or specialist machinery to get your work done? Cyber Insurance* Consider the client data you are storing and if there was a breach of confidentiality by your system being hacked. Cyber ...

Insurance for Registered Migration Agents

... , or you damage your client's property. Business Insurance* Your clients are important, but so are your business ... Cyber Liability* Consider the client data you are storing and the consequences if it were to be compromised ...

Insurance for Recruitment Consultants

... is quickly becoming an important type of HR consultant and staffing agency insurance. Consider the client data or personal information you may be storing and the consequences if it were to be compromised. Cyber Liability ...

Insurance for Real Estate Agents

... an event such as a fire, would you still be able to earn an income? Cyber Insurance Consider the client data you are storing and the implication on your business if there was a breach of confidentiality by being hacked ...

Insurance for Psychologists

... * Consider the client data or personal information you may be storing and the consequences if it were to be compromised. Cyber Liability insurance helps to protect you from claims and supports your profitability in ...

Insurance for Project Managers

... client data or personal information you may be storing and the severe consequences if it were compromised. Cyber liability insurance is a type of business insurance product which protects your business against both the ...

Insurance by Industry

... are aware that those who operate in varying industries, often have specific insurance needs and so we aim to provide a policy to suit you ... Contractors and Subcontractors Convenience Stores Disability Workers Dog Grooming ...

Benefits of insurance for small businesses

... stock and tools to get the job done. Even online stores still have items on hand that are essential to the business ... key risks you could get protected from and how insurance can protect from financial loss so you can keep ...

The Easter Bunny’s Guide to Business Insurance

... at the Easter Bunny's factory broke down or the refrigerators that the eggs are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover for machinery breakdown and the deterioration of ...

Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

... 2016, the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 (6 ... retail trade sector including restaurants, cafes, stores etc which saw premium rates increase 10%. ...

Could cyber insurance help protect real estate businesses?

... Given that the real estate industry collects and stores vast amounts of sensitive information, the onus is ... should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

Insurance for architects – the blueprint to success

... and your reputation crashing down. Having the right business insurance as part of your overall business plan is a solid ... prized intellectual property? With almost everything stored online, including your personal and ...

Spring Clean Your Salon’s Business Insurance

... employment practices and statutory liability risks. Cyber Liability Insurance Cyberattacks are a bigger problem for salons than you might realise. Are you storing valuable customer information? Taking payments online or ...

Insurance for Civil Engineers – what you need to know

... (if you own your building) Contents and Machinery breakdown. Cyber Liability Insurance If your engineering business relies on storing sensitive client information and data, then you may want to consider Cyber Liability ...

Understanding business insurance for bookkeepers

... of accountants and other professional fees incurred in the course of an audit. Cyber Liability insurance* Working with and storing confidential client information online, means there's a real risk of a privacy breach if ...

Understanding insurance for recruitment consultants

What are some types of insurance available for small businesses?

... statutory duty Defamation Statutory fines & penalties Cyber Liability insurance Like most small businesses, you rely on having a website, storing sensitive customer data and performing financial transactions online. If ...

BizCover smashes NPS industry benchmark as insurance sector lags

... retention rates and company growth. This is far above the NPS industry benchmark which sits at -6 for the insurance sector in the last quarter of 2021, according to soon-to-be-released research from The Evolved Group . ...

Business Insurance Perth

... were to occur at your business premises, even if this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential claims for accidental injury or damage to a third ...

Business Insurance Melbourne

... if a potential claim were to occur even if this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential claims for accidental injury or damage to a third-parties ...

Top tips to boost your small business insurance confidence

... of assets. Do you know what you are covered for? There's a good possibility that you set up your business insurance policy and just pay your renewal each year that it comes around. But taking some time out to read and ...

Insurance for Tutors

... Tutors need it? While you take all the care to deliver professional advice and services to your students, an insurance claim can have a devastating impact on your tutoring business. Don't learn your lesson the hard way - ...

The benefits of Professional Indemnity insurance

... takes is for a claim to send it all crashing down. Avoid the drama by having your Professional Indemnity insurance there to cover the cost of the claim. With some policies the cost of related public relation expenses may ...

What you need to consider when purchasing Professional Indemnity insurance

... of confusion in the event that you may need to make a claim. 3. How much Professional Indemnity insurance cover do I need? Each business is different with their own factors that can determine the amount of Professional ...

What is run-off insurance and who needs it?

... means they only cover claims which are made while the policy is active. The purpose of the Run- Off insurance is provided cover that extends beyond the last date of your business trading if I claim were to occur. Not ...

Insurance for pharmacy and pharmacists

... premises during business hours. Prefer to talk? Call us and talk to a real person. Friendly, helpful service from a business insurance professional. 1300 249 268 Mon-Fri 8.30am-7.00pm Sat 9.00am-5.00pm *As with any ...

Insurance for Pet Professionals

... associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance Take a moment to consider if you were to suffer an accidental injury or fall ill. What impact ...

Information Technology Liability Insurance

... claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined term ...

Insurance for Personal Trainers

... storm or due to malicious damage or some other defined event listed in the policy. Personal Accident and Illness Insurance Your body is your business. If you were to seriously injure yourself or fall ill it is likely you ...

What does Public Liability Insurance cover?

... expensive (the example above could easily cost well over $ 50 , 000 ) , and not having Public Liability insurance means you could well end up paying for the claim straight from your back pocket . Bear in mind that Public ...

Personal Accident and Illness Insurance

... what's not? Get the right cover Could this happen to you? Protect you r income With Personal Accident & Illness Insurance* As the old saying goes, a ccidents do happen ! A simple spot of DIY around the house could result ...

Insurance for Dog Grooming

... to work due to an accident or illness, you can rest easy knowing that your Personal Accident and Illness insurance can help cover loss of income. No matter where the accident occurs, you're covered to keep paying those ...

Insurance for Disability Workers

... or Public Liability claim against you. We know, sometimes you just want a quick idea of how much your insurance is actually going to cost. However, it's important to note that the data included within this article was ...

Housekeeping your business insurance – A checklist guide

... ? Like a lot of things when running a business, you tend to set and forget when it comes to your business insurance policy. This is where you need to sit down and review the amount of coverage you have in place, assess ...

A sole traders guide to understanding Public Liability Insurance

... a requirement. If you are renting your business premises, you may need to have a minimum level of Public Liability insurance in place as part of your rental agreement It may be a requirement to become a member of certain ...

Who needs Professional Indemnity insurance?

... or an omission in the delivery of your professional advice or services. Why do I need Professional Indemnity insurance? Take a moment to consider the time and money that is involved with a claim. The financial impact ...

A practical guide to understanding business insurance

... most trusted insurers, select your policy and get covered in minutes. There's no messy paperwork or insurance jargon, just insurance made easy. Get a quote today. * This information is general only and does not take into ...

Find out how these SMEs saved hundreds on their business insurance

... can I make the switch? Whether you're switching from a different provider or it's your first time getting business insurance , we've made it easy to get it sorted. Having up to six of some of Australia's leading insurers ...

QLD Electricians Licence and Insurance Requirements

... . To make things a bit easier we're here to break down the key things you need to know about insurance requirements for electricians in QLD- without the boring bits. Let's get started by having a look at the basics ...

How to adapt your business insurance as your business grows

... In our guide we look at some of the things you need to consider when it comes to reviewing your business insurance policy and some of the other types of coverages that are out in the market. Having a risk management plan ...

4 reasons why restaurant insurance is important (and how to protect yours)

... made against you, for death, injuries or damages resulting from the operation of your business. Business Insurance Insurance cover to protect you against third-party injury claims is important, but those aren't the only ...

5 things to consider when purchasing business insurance

... customer data was stolen? You were unable to work due to an accident or illness? 2. What type of business insurances do I need to consider? When you have a solid understanding of the types of risks and scenario's that ...

8 Facts About Professional Indemnity Insurance

... peace of mind, knowing that you're protected after you've closed up shop. 8. Getting your Professional Indemnity insurance sorted is easier than you might think. Gone are the days of ringing insurers one at a time to get ...

6 ways to save money on tradie insurance

... On the other hand, make sure your provider knows if you are going to be taking on riskier work in the next insurance period. It might cost you more in premiums, but if you don’t let them know you may find that any claims ...

The 5 biggest mistakes tradies make with their insurance

... important to understand your cover. It’s worth taking the time to read through your policy and to ask your insurance provider any questions you may have. That way you can rest assured that you have all the cover you need ...

A blue-collar workers guide to understanding Personal Accident and Illness insurance

... re the one running the show. As a small business owner, chances are you have some sort of business insurance already in place. While you may have coverages for things like Public Liability and your tools sorted, have you ...

3 reasons your business insurance may no longer be right for your business

... of cover you have. As the value of your equipment grows, you can update your cover to help ensure you have sufficient insurance to cover your loss if you need to make a claim. There are a number of cover options, such as ...

Additional Cover for Professional Indemnity Insurance

... claiming a product caused them a personal injury or property damage, it is vulnerable to costly legal action. PI Insurance protects small businesses from this type of action. Unlike Hish, Lynn's clients don't ask to see ...

Professional Indemnity Insurance 101: For Allied Health Professionals

... so you can find the right cover at the right price. BizCover is the best way to get immediate insurance protection, and because everything is online, there's no messy paperwork involved. To find out more, go to bizcover ...

The risky business of insurance

... ill as a direct result of their job. Any business with employees are required to have WC How you buy insurance can save you time and money Shopping around to compare what's covered is an important part of the process ...

Public Liability Insurance Scenario

... says nothing could be worth that amount of anguish. “If I had been responsible and set my business up with the insurance I needed, it would have been a very different story for me,” Janine says from her new home in South ...

BizCover Disrupts Insurance by Commoditising it

... a number of big companies. Any deal would allow these new players to use BizCover's website to sell insurance products underwritten by AIG, Allianz, QBE and Vero. Now in its eighth year, BizCover, which employs 27 staff ...

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Why do Convenience Stores need insurance?

Last minute groceries, afternoon snacks, and bottles of ‘don’t forget the’ milk is what provides your bread and butter. That’s why it makes sense to protect it from unpredictable risks by having the right insurance in place. Let BizCover take care of your business insurance needs by providing multiple competitive quotes, quicker than the time it takes to pour a Slurpee.

Did you know?

With convenience stores often having large glass shop front windows, glass cover is an important form of insurance and is also often required as part of a commercial lease agreement.

Insurance for Convenience Stores

Public Liability Insurance*

Public Liability insurance is an important form of insurance to consider before opening the doors to your convenience store. It is designed to provide protection for you and your business in the event that a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Imagine the legal and financial consequences if a customer slipped on a spilt drink, tripped over boxes of stock or was injured by a falling display. These types of claims can run into hundreds of thousands of dollars and can potentially take years to settle. Fortunately, Public Liability insurance can provide you and your business peace of mind when you need it most.

Do you need Public Liability insurance? The short answer is probably yes. Chances are you’ll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Business Insurance*

You rely on your business assets to drive business through your store, so trying functioning without them could spell trouble. Not having the right types of cover means you could be left paying a small fortune if unplanned challenges crop up.
Protect your business needs with tailored Business Insurance options that can provide cover for:

Contents and Stock* – you rely on your fixtures, fittings and stock to keep your convenience store operational so it’s important to protect it against unexpected events like fire, storm, accidental damage and vandalism.

Money* – handling large amounts of cash daily makes Money cover a vital form of insurance to consider, particularly considering data from the Australian Institute of Criminology shows that one in ten armed robberies were of service stations and convenience stores. Money cover provides protection for money belonging to your convenience store if it is stolen, lost or damaged while on your store’s premises, in transit or in your personal custody.

Theft*– covers your business for loss or damage to your contents and stock through theft or attempted theft after violent or forced entry at your convenience store.

Business Interruption* – convenience stores don’t have time for downtime. Would your business survive if you had to shut up shop for weeks or months due to an interruption caused by an insured event? Business Interruption covers for loss of turnover caused by damage at your own premises and can assist with the payment of ongoing operating expenses and related business relocation costs.

Employee Dishonesty* – protects your business from loss of money, contents or stock incurred by theft, fraud or dishonest acts by an employee.

Machinery Breakdown* – designed to help cover the cost of repairing or replacing your store’s insured machinery, such as your refrigerators and air conditioners, following a breakdown. Consider the optional cover for Deterioration of Stock which provides protection for loss of perishable stock if your fridge/s is inoperable due to breakdown.

Building* – if you own your business premises then Building cover is a no-brainer. It will cover the cost of repairing or rebuilding your business premises as a result of fire, storm or other perils outlined in the policy.

Glass*– covers the cost of replacing internal or external glass including mirrors and shopfront windows that may be accidentally or maliciously damaged or broken.

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*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy document. The information contained on this webpage is general only and should not be relied upon as advice.