Do shops need insurance?*
Many of the team at SMART love to shop – in fact some of our brokers are experts at it!
We have a variety of brokers at SMART and they all have different favourite shops. Some of the team like clothing and shoes shops, others prefer accessory shops , while those with families often find themselves in kids, sports and surf shops on the week-ends. Everyone enjoys a bit of a snack from their favourite take-away shop.
Our team of brokers love to shop and they love to source insurance for small business owners who operate shops and retail businesses.
Retail 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.
List of risks that can be covered under Shop business insurance:*
- Public Liability– eg:slips, trips and falls
- Product Liability– eg: the product you sell does not perform as specified resulting in damages
- Workers Compensation
- Business & General Property – eg: damage to building – vandalism
- Business Interruption- eg: profit associated with location in the event you are forced to close for an extended period.
- Fire and Perils
List of shops that can be covered under insurance:*
- Take away food shops
- Book stores
- Milk bars
- Sushi bars
- Sandwich bars
- Home wares shops
- Juice bars
- Amusement centres
- Electrical goods stores
- Computer stores
- Mobile phone stores
- Games shops
- Yoghurt and ice – cream shops
- Fruit shops
- Vitamin shops
- Giftware shops
- Men's and women fashion boutiques
- Sports stores
- Shoe store
- Jean shop
- Swimwear boutique
- Surf shop
- Skater shop
- Opportunity shop
- Teenage fashion
- Kids fashion
- Clothing/ homes ware shop
- Formal wear shop
- Clothing hire shop
- Budget clothing stores
- Discount store
- Cycle shop insurance
- Maternity store
- Sleepwear store
- Business clothing retailer
- Ties, belts & accessories shop
Business insurance quotes from the SMART team of brokers*
Our business insurance brokers can help you find suitable cost effective insurance for your shop. Depending on the type of shop, location, size and fit out of your shop our brokers know which insurers and underwriters are likely to provide suitable cover and competitive prices.
TALK to a SMART Insurance broker on 1300 542 573 or email us at email@example.com for SMART insurance cover for your shop.
1300 542 573
TALK to a SMART Business Insurance adviser
Monday – Friday 8.45 am - 6.00 pm AEST
*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.
Thank you so much for your wonderful guidance and assistance regarding this claim.
Mercs Bier Café