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.
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
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.
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).
Our Specialty
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.
Great advice
As brokers, it's our job to give advice. We always aim to deliver great, not just 'good', advice.
Your partner
We manage your insurances so you don't have to — save precious time and effort.
clear terms
Your renewals, quotes and policies will be delivered in clear, easy English — no more confusion.
full cover
With a broker, you get more comprehensive cover and benefits not available if buying directly.
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
What our Customers Say
109 James Street, New Farm
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Aimee Spencer has been helpful above and beyond expectations. Her patient and responsive attention to my multiple requests has meant that my business insurance renewal has been processed easily and efficiently. Natalie … More Smith
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Jim was able to negotiate a much lower premium than my previous insurer (with better cover). His advice and communication was clear and straightforward. Highly recommend his service.
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We have dealt with Tracey on several occasions, and each and every time she has been such a pleasure to deal with. Always helpful, positive and everything provided in a timely manner. She follows up where needed and usefull … More without ever being pushy.
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I have been dealing with Debbie Blanco in Consolidated Insurance Brokers. She has always been very helpful with any query or questions. I would highly recommend her for excellent customer service, product & service knowledge, … More prompt in responding, great in communication, and always comes up with competitive insurance deals / prices.
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Our business insurance has been handled by Consolidated Insurance Brokers for many years now. This year Aimee Spencer made our yearly renewal very easy with her guidance in our understanding of exactly what was covered and … More included with each Company's different Quotes. Appreciated .... thank you!
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