Business Insurance for Shops

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Business Insurance for Shops*

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.

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

Shop Owners can access many BIG name insurers AND
industry specific underwriters here.*

Small business owners QUESTIONS regarding
Shop Insurance ANSWERED:*

  • Cafes
  • Restaurants
  • Take away food shops
  • Book stores
  • Delis
  • 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
  • Butchers
  • Hairdressers
  • 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

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.

Our brokers will obtain multiple quotes on suitable insurance policies for your from leading insurance companies such as VeroLumleyZurich and AIG.

TALK to a SMART Insurance broker on 1300 542 573 or contact us online for SMART insurance cover for your 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.

Want guidance on Shop Insurance coverage?
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.*

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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.