Convenience and Grocery Store Business Insurance

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Grocery Store Business Insurance*

If you operate a grocery or convenience store you may have come to the SMART place for affordable and suitable business insurance cover.

Wherever you are in Australia you face risks with the products you sell and by members of the public entering your grocery or convenience store.

While everyone that walks in the door of your grocery or convenience store is a potential customer, on the flip side, they are a potential insurance risk.

Also, even once your customers have left your grocery or convenience store with their purchase, you may be responsible if things go wrong. And, as many grocery and convenience stores have large glass shop fronts glass cover is typically required.

Many Grocery Store business owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Convenience store business owners can access many BIG name insurers AND
industry specific underwriters here.*

QUESTIONS regarding Business Insurance for Convenience Stores
and Grocery Stores ANSWERED:*

Convenience and Grocerystore business insurance can cover all or some of the risks below. For more information on what it can cover, requirements and costs please TALK to one of our helpful business insurance brokers on 1300 542 573.

  • Public Liability – eg: injuries from slips and falls.
  • Product Liability – eg: product or service does not perform to reasonable expectations resulting in damages , or unwanted objects in food, food poisoning.
  • Business Equipment
  • Fire and Perils – eg: fire arising from flammable products in stock, or cooking, electrical malfunctions, unguarded flames and grease fires.
  • Crime – eg: cash and alcohol
  • Business Interruption – eg: profit associated with location in the event you are forced to close for an extended period.
  • Equipment Breakdown – eg: refrigerator breaking down resulting in loss of stock.
  • Commercial property insurance – protection for your store property, stock, fixtures and more.
  • Cyber insurance – eg .Hacking of payment facilities or online store
  • Business insurance pack – combine covers such as glass, money , theft and more for your convenience store.

Our helpful business insurance brokers can help you find suitable cost effective insurance for your Convenience and Grocery store.

Depending on a number of factors such as where your business premises are located, the value of the property insured, the level of security, the size of your convenience or grocery store , the covers taken and your claims history certain insurance companies may offer better terms.

TALK to a SMART Insurance broker on 1300 542 573 for Convenience and Grocery store costs and quotes or contact us online.

Today , more than ever risk management is important for Convenience and Grocery Store business owners. With serious competition coming from both the major shopping chains into the smaller grocery store and convenience store space it’s important to think about ways to minimize the risks that could cause serious problems for your business.

While it is not possible to insure against all the risks your business faces there are a number of key risks that you can obtain protection for if things go wrong.

Some of main risks for Convenience and Grocery stores that you can take out a form of business insurance are :

Customer injury

Slippery floors, rainy days and even fallen stock in the aisles could lead to thousands of dollars of damages for your convenience or grocery store if a customer slips and falls.

Help reduce the impact of damages from customer injury with public liability insurance.

Data Hacking

Your convenience or grocery store credit card processing system is a target for hackers as is your online store if you have one. If you are hacked and incur a data breach you may incur significant tech bills, be open to be sued by frustrated customers, and may be subject to thousands of dollars in government fines.

Help reduce the impact of damages from data hacking with cyber insurance.

Theft

Theft, and the threat of theft is an unwanted part of life for convenience or grocery stores. While theft typically costs retailers a small percentage of their sales it can wipe away a much larger percentage of your profit.

Help reduce the impact of theft by taking the theft cover option as part of your combined business insurance pack.

Loss or Damage to stock

A major storm, power outage or even small fire could leave your convenience or grocery store with costly damaged or worthless stock..

Help reduce the loss or damage to stock by taking the stock cover option as part of your combined business insurance pack.

Smart Business Insurance pro tip: What is the most amount of stock you have at any one time? Cover this amount. It’s often at peak times business that major accidents occur.

Our helpful small business insurance brokers can help you find suitable cost effective insurance for your convenience or grocery store.

Depending on a number factors certain insurance companies may offer better terms.

Where possible our friendly insurance brokers will obtain multiple quotes on suitable insurance policies for your convenience or grocery store from leading insurance companies such as Vero, QBE, Zurich and AIG or obtain a competitive quote from a specialist underwriter.

For more information on convenience or grocery store business insurance requirements, including what business interruption insurance can cover, TALK to a SMART Insurance broker on 1300 542 573 for SMART insurance cover for your store.

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.

  • We may act for you – the store owner – 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!

Want guidance on Business Insurance Coverage for your Convenience or Grocery Store?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

Get a Quote

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

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.

SMART BUSINESS INSURANE BROKERS

REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

Need expert Insurance Advice?
Get in Touch:*

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Learn More About Insurance for your Business:*

GET The SMART Edge

· 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!

Find out more.