Retail Insurance
Need cover for your store, boutique or brand’s space, stock and equipment? Retail insurance protects you and your business from loss, damage or liability.
The resource of choice for the country’s most forward-thinking insurance professionals.
The resource of choice for the country’s most forward-thinking insurance professionals.
Retail Insurance
Rely on a reputable insurance broker
What is Retail Insurance?
Operating a retail business offers unique rewards as well as important risks for you to consider. With shoppers coming and going, scenarios like broken windows or fittings, burglary or injury claims when someone slips over are common.
As a retail-based business, your equipment and stock are essential for generating income. It makes sense to ensure that your income-providing assets are protected. If you lease your space, it’s also likely that your landlord will specify certain levels of cover such as glass and public liability.
With theft, extreme weather and lawsuits on the rise, we can help you get the protection you need to enjoy business without worry.
What can be covered
- Accidental damage
- Contents, fit-out, stock, equipment
- Vandalism & theft
- Glass & signage
- Storm, fire & earthquake
- Public liability
- Loss of income (business interruption)
What may not be
- Flood - unless requested
- Intentional criminal acts or fraud
- Cyber liability
- Management liability
- Product defects & recall
Get started with Retail Insurance
With theft, extreme weather and lawsuits on the rise, we can help you get the protection you need to enjoy business without worry.
Retail claim example
Lisa owns a boutique retail clothing store in a popular shopping location. Coming into the Christmas period – one of her busiest times of year – extreme weather patterns result in a severe storm that damages her store, equipment and stock.
Lisa’s store relies on the increased sales of the holiday period to remain solvent through the quieter months, and the storm damage leaves her unable to trade.
Because Lisa has a retail insurance pack, the damage of her goods, equipment and store are all covered and are able to be replaced. She also chose to add business interruption to her insurance, so while she’s unable to open at her usual location, the loss of expected profits is covered, along with any extra costs incurred for her to keep trading (e.g. hiring temporary equipment).
Why Choose CIB?
Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We’ll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.
Our Expertise
Committed to finding you the best insurance solution, our team of knowledgeable insurance brokers will get you the best price available
Your Partner
Safe time and effort by letting our team of expert insurance brokers do the work for you, we can manage your insurance on your behalf.
Clear Terms
We will put an end to the endless jargon, we can help you understand your quotes and policies in clear terms.
Full Cover
We are able to access insurance policies that are not available when buying direct, allowing us to get you a more comprehensive cover and better benefits.
What our clients have to say
109 James Street, New Farm
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I know it is strange to say this about an insurance company but what a pleasure CIB is to deal with. Sheryll Todd is extremely professional and a knows what she is in about. I use Sheryll for my business and private insurance … More and always found her to be excellent. Whether it be a new policy or a claim her attitude is the same.....professional. One of the bet parts is that you are kept informed with the progress at all times and you don't have to keep on ringing them to find out what is going on. Good on you Sheryll.
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Exceptional Service – Even on Easter Sunday!Debbie Blanco is an absolute superstar! From start to finish, she went above and beyond to ensure I had everything I needed, even taking the time to assist me on Easter Sunday – … More something you just don’t see every day. Her professionalism, attention to detail, and genuine care for her clients is unmatched. Debbie made the whole process seamless and stress-free, and I can’t thank her enough for her support. If you're looking for an insurance broker who truly has your back, Debbie is the one. Highly recommend!
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Had the pleasure of dealing with Alison Neve, l have been dealing with insurance companies for over 50 years, in that time I have never been looked after so professionally as Alison. So thorough and patient. She is a great … More asset to your team. Thank all concerned at Consolidated. Can’t wait till January to change over another property for Alison to look after.
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Consolidated Insurance Brokers are the BOMB! Nothing is to hard ! At one point I left, and it wasn't long before I came back to them tail between my legs.Aimee is fabulous, going out of her way to ensure perfection. … More All my recommendations go to Consolidated Insurance Brokers and Aimee.Thank You!!!!!
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Toady we needed to renew our building business insurance ASAP. From the first point of contact Tracey was fantastic. Super professional and knowledgeable and had the whole process completed very quickly. Highly recommend … More Tracey. Thank you
How can we help?
Having a customisable policy is important to protect the survival and growth of your business when something doesn’t go to plan. Every business is different, and yours may require different protection to the one next door.
We’ll help you compare the price with the value offered for each of your retail insurance options, so you can make the best decision for your needs.
For every new business quote and renewal, we break down all important changes and comparisons in plain English.
Frequently Asked Questions
There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:
- Work on your behalf to secure you better protection through their negotiating power
- Help you understand your risks and empower you to make better life / business decisions
- Ensure insurers are held accountable to their promise to protect what you value during claims
- Save you time and money by taking care of comparing and customising policies for your needs
No Obligations, Completely Free
Get a Quote Today
Talk today with our team to find the right kind of insurance that will suit your needs.