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From helping your customers to find their perfect purchase, managing stock, and taking care of your staff, the world of retail is one of countless moving parts. With so much going on, the retail industry is one which is exposed to many potential risks for things to go wrong, and that’s where business insurance can help save the day.
Whether you’re selling the finest frocks in town or an emporium of gifts, no retail business is immune from the risk of an insurance claim occurring. We know how busy you are, so we’ve created this easy, go-to guide on understanding some of the key business insurance covers available to retailers.
Public Liability Insurance*
This is one of the fundamental business insurances retailers may need to consider. 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.
Even if you do your best to keep your retail store safe and secure, all it takes 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.
Business Insurance Pack*
Your customers help keep the tills rolling over, but take a moment to think, how could you operate without your business assets? Your stock, shelves, and electronic equipment like EFTPOS machines and laptops all help keep your business going, – being without them could spell disaster.
Business insurance can provide cover for various areas including:
Cyber Liability Insurance*
As more and more retailers do their business electronically, the real risk of cyber crime becomes an unfortunate reality. Hackers can be very crafty, stealing financial details via EFTPOS machines or accessing sensitive data from your customer management systems. This is where Cyber Liability insurance can provide valuable protection for your retail business from cyber crime attacks.
Cyber liability insurance is a type of business insurance product, which protects your business against both the legal costs and expenses (including compensation payments) related to cybercrime incidents. Your coverage may generally include cover for expenses and legal costs relating to the following:
Let us do the shopping around for you
Experience insurance made easy with BizCover, in just a few clicks or a quick phone call you can select from multiple quotes from some of Australia’s leading insurers, getting your retail business insurance sorted in minutes.
*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.