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Many of the team at SMART love to shop – in fact some of our brokers are experts at it!
Whether it’s on a high street or in a shopping centre they find it very hard to walk past a clothing or shoe shop.
Our team of brokers love to buy clothes and they love to source insurance for clothing retailers and shops.
The clothing business can be fickle and it can be risky. Insurance can’t help with some of the risks (eg: not enough customers) but can protect you with others. Below are some of the insurable risks.
Types of clothing shops we may be able to cover include:
Our business insurance brokers can help you find suitable cost effective insurance for your clothing shop. Depending on the location, size and fit out of your clothing shop our brokers often know which insurers and underwriters may be likely to provide suitable cover and competitive prices.
Our brokers will obtain multiple quotes on suitable insurance policies for your from leading insurance companies such as Vero, Lumley, Zurich and AIG.
TALK to a SMART Insurance broker on 1300 542 573 or contact us online for SMART insurance cover for your clothing shop.
The Situation Address must be the address of either the physical risk being covered (like a property) or, in the case of Liability policies, the physical address for the normal place (or places) of business.
If you have multiple business locations, e.g., a number of branches, shops, factories or depots, then ALL location addresses must be shown on the schedule and advised to the insurers. And the multiple location addresses then needs to be kept up to date with the insurers at all times, in the event of any changes.
Insurers will not accept a Post Office box as a “normal place of business”, because you cannot do business from a PO Box.
A PO Box is fine for a mailing address, but cannot be used as the address of the “Situation” on any policy.
For example, Public Liability policies usually operate “at and from” an address, which should be the normal place of business for a business policy.
If the business was run from home, for example, then the home address would be shown as the normal place of business. The “at and from” nature of the cover would then cover any transitory business conducted away from the home address (or away from a real business address, as the case may be).
If the business was run from home but was selling through stands or kiosks at markets or shopping centres then that would have to be disclosed to the insurer, as it affects the risk.
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We are business insurance brokers
What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.
And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^
^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
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· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!
Any information contained in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.You should contact an authorised insurance adviser, accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between SMART Business Insurance and the reader.
SMART Business Insurance is a Corporate Authorised Representative (AR Number 437328) of United Insurance Group (UIG) AFS Number 327131
Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations .Talk to a SMART business insurance broker on 1300 542 573 for more information.
enquiry@smartinsure.com.au
1300 542 573
Smart Business Insurance Offices:
Level 11, 484 St Kilda Road, Melbourne VIC 3004
Level 3, 9-11 Claremont Street, South Yarra VIC 3141
Business Hours:
Monday – Friday 8.45 am – 5.30 pm AEST
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