Retail Insurance

Shielding Your Shop, Online, or Mobile Retail Business

Retail Business Insurance

Operating within the sales sector entails exposure to a multitude of threats — Retail Insurance from AJ Insurance Services safeguards your business against expensive claims and litigation.

On-site injuries to customers, theft of stock or cash, data breaches, or damage to your premises through flooding or storm — numerous possible mishaps that may expose your business to legal action, restoration costs, and compensation demands.

At AJ Insurance, we specialise in safeguarding Australia’s proud retailers. By delivering bespoke cover that meets the inherent risks of your particular operation, we ensure your business’s profitability, reputation, and existence are reassuringly protected.

Defend Your Retail Business From the Unexpected — Contact AJ Insurance Services NOW

A Retail Insurance Policy From AJ Insurance Services

At AJ Insurance, a one-size-fits-all approach isn’t part of our ethos.

We understand that the retail sphere encompasses an expansive range of operation sizes, formats, and trading styles. Whether you’re selling from physical premises, mobile outlets, or online — if you provide products to businesses and the general public, you need comprehensive commercial retail insurance.

That’s why each of our retail liability insurance packages is forged by our team of in-house specialists to address the particular threats to your enterprise. With a focus on flexibility, we can ensure that you only pay for the protection your business requires — keeping premiums pleasingly affordable.

Get a Rapid Retail Insurance Quote Now — Call AJ Insurance Services

Who Is Retail Shop Insurance For?

If your operation deals in the provision of physical products for remuneration — we can safeguard with tailored protection.

By no means exhaustive, our most popular packages include:

Retail Shop Insurance.

Insurance for butcher shops


Furniture store insurance


Retail property insurance


Coffee shop premises insurance


Outdoor clothing store insurance


Golfing shop front insurance


Bicycle shop contents insurance


Insurance for health food shops


Toy shop public liability insurance


Virtual/web-based retail product insurance


Physical premises retail store insurance


Surfing and beachwear clothing retailer insurance


Product liability insurance for online retailers


Workwear clothing shop insurance


General store insurance


Retail space insurance

Do Online Businesses Need a Retail Insurance Broker?

Although you may not have members of the public at your premises, your online retail operation remains exposed to possible claims. Whether you trade from a website-based store, direct emailing, or social media — risks and litigation threats exist.

While there is a multitude of possible mishaps, the most common challenges include:

  • Hacking of your payment system.
  • Data leaks of confidential customer information.
  • Claims for copyright, trademark, and intellectual property infringements.
  • Breaches of contract.
  • Faulty goods, causing personal injury or loss.

AJ Insurance Services will work with you to reveal the particular risks intrinsic to your e-operation, and deliver tailored and robust business insurance for your online retail store.

Speak to AJ Insurance Services Now for a Bespoke Online Retail Shop Insurance Quote

What Does Retail Enterprise Insurance Cover?

As one of Australia’s few specialised retail insurance companies, at AJ Insurance Services, we excel in creating purpose-built packages that address the threats concomitant to your enterprise.

Generally, these tailored cover solutions include many of the following:

Retail Public Liability Insurance

In our view, the most crucial protection. Public liability insurance for retail store outlets is suitable for both physical and online businesses — safeguarding against claims for personal injury or property damage due to your enterprise’s activities. This is typically combined in a product and public liability insurance for retail shops policy.

Retailers Product Liability Insurance

Should your products — whether designed, supplied, or manufactured by you — cause injury to a third party, you may be exposed to expensive claims. Product liability cover defends against such action. The product retail liability insurance cost often depends on the value, volume, and risk level of your saleable items.

Retailers Commercial Property Insurance

Sometimes referred to as retail building insurance, it aids in covering bricks, mortar, and stock from unexpected events — such as storm, fire, and flood damage. The retail store property insurance cost is typically affected by the age, location, and rebuilding valuation of the building.

Money and Retail Theft Insurance

Theft retail insurance shields your business from stock, equipment, and cash losses incurred by forced or visible entry into your enterprise’s premises. Usually, it also incorporates protection for store damage and lock replacement. Bear in mind, general shoplifting is not typically covered.

Retailers Glass Insurance

Should your outlet incorporate glass doors, windows, shelves, signage, or display cases — it’s at risk from accidental or malicious breakage. The store glass insurance cost is relatively minimal, and is invaluable for the restoration of security, safety, and sales space.

Store Business Interruption Insurance

Essential protection, especially as part of a small retail business insurance package. Business interruption defends against turnover and revenue reductions due to insured events — such as storms, burglary, and flooding — affecting your ability to trade as normal.

Cyber Insurance for Retailers

Ideal for online businesses, Cyber Liability Insurance guards your retailing enterprise from hacking, extortion, malware, and phishing. Usually, it will incorporate both third and first-party claims — for legal fees, fines, losses, damages, and customer notification.

Enjoy Tailored Insurance for Your Retail Business — Call AJ Insurance Services Today

Additional Retail Insurance Protection

Depending on the nature of your retail operation, you may need more focused protection. Further safeguarding taken by many of our sales sphere clients includes:

  • Equipment breakdown
  • Goods in transit
  • Management liability
  • Tax audits and probes
  • Employment practices risks
  • Valuable and portable items
  • Electronic equipment breakdown
  • Employee dishonesty

Why Opt For AJ Insurance Services for Your Retail Protection?

At AJ Insurance, we take an action-oriented approach to all aspects of your retail business safeguarding.

As experts in sales sector insurance, we relentlessly act on your behalf from the initial consultation through to your claims handling and management. Refreshingly transparent and continually professional, we ensure you receive:


Proactive risk management, advice, and tools


Understanding of the how and the why behind your cover


Tailored protection that addresses your retail business threats


A partner who is on your side, not the underwriter


Reassurance of retail insurance specialists


Access to our vast network of focused retail insurers


Continually affordable premiums

Speak to the Experts in Retail Insurance — Call Us NOW

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