Easy-as insurance options for your shop


Small retail shops come in all shapes and sizes, and so do our cover options. Choose from our AMI Shop Insurance Bundle; an all-in-one easy and affordable starter package, that we can help you customise and build-on to suit your needs and unique shop. Or simply pick and choose individual cover options.


  • package offer

    Shop Insurance Bundle

    Cover from just $98* per month for your shop, your stock and more with this all-in-one package.

    Find out more *Exclusions apply

  • Business Assets Cover

    (Material Damage)

    Covers buildings that you own, contents, stock, and equipment at your premises against loss or damage that occurs at your premises.

    Material Damage policy

  • Public Liability icon

    Public Liability Cover

    (Broadform Liability)

    Covers you for legal liability for accidental injury to a person and damage to someone else’s property while you’re doing business.

    Liability policy

  • Public Liability icon

    Employer's Liability Cover

    Covers your legal liability if your employees are injured and it’s not covered by ACC.

    Employer's Liability policy

Can’t see what you like? See all our insurance types

Cover for 'oops moments'

We took the hassle and guess work out of figuring out what insurance you need and how much, by creating a simple and affordable solution - AMI Shop Insurance Bundle.

This bundle can be tailored to cover your store, your stock, you and your staff for ‘oops moments’.

FOR MORE INFO OR TO BUY
Shop Insurance
Call us on 0800 782 838
Or let us call you back

package offer

AMI Shop Insurance Bundle

starting from

$98* per month

AMI Shop Insurance Bundle

This bundle includes:

  • Business Assets - up to $150,000 sum insured

    Covers buildings that you own, contents, stock, and equipment at your premises against loss or damage that occurs at your premises.

  • Liability - up to $2million cover

    Covers you for legal liability for accidental injury to a person and damage to someone else’s property while you’re doing business.

  • Employer's Liability - up to $500,000 cover

    Covers your legal liability if your employees are injured and it’s not covered by ACC.

  • Statutory Liability - up to $500,000 cover

    Covers legal defence costs and certain fines if you accidentally breach legislation and are prosecuted.

  • Give us a call on 0800 782 838 to take out Shop Insurance

    Or let us call you back

*AMI Shop Insurance Bundle starts from $98 per month including GST for small retail trade businesses. Package payment can be made monthly or annually. Pricing is conditional on previous legal and claims history, occupational and location risks are considered, and regional differences may apply. Pricing does not include other government levies. Policy, exclusions, conditions and limitations apply. Add on Theft Cover, Natural Disaster Cover, Business Interruption Cover or other Business Insurance options as required.

Looking to build and customise your own package?

Get started with an online quote or call an AMI Business Specialist

Get a quote

Or call us on 0800 782 838

Looks like we need a little more information

Talk to one of our AMI Business Specialists who can easily help you work out what cover you may need and provide you with a free non-obligation quote.

Call us on 0800 782 838 0800 782 838

Or let us call you back

Handy tips for Small retailers

Intruder alarms

Alarms can protect your assets after hours and make things safer for your staff. They’re a great vandal-deterrant and also ensure a rapid response if triggered.

Secure your safe

If you store valuable items in a safe, choose a quality, leading-brand safe that meets CEN European standards and has UL Rated locks. Attach it with bolts to the building.

Fire protection

Automatic fire sprinklers are the best protection against the risk of fire and will help you reduce damage to assets or stock.

Personal vehicles

If you’re using your personal vehicle to transport stock or food for business purposes, you’ll need to get Business Vehicle Insurance
  • Intruder alarms
  • Secure your safe
  • Fire protection
  • Personal vehicles


Are you doing everything to manage risk? Use our handy PDF checklist to help

Frequently asked questions

  • The minimum indemnity period is 6 months and based on where your business is situated, it could go up to 24 months.
  • Yes, they're covered under liability and your Business Vehicle Insurance while they are performing an act as part of your business. Talk to us to ensure you have the right liability cover.

Why choose AMI Business

  • 91 years of customer care

  • Tailored insurance options

  • Buy direct- no middle man

  • Over 60 stores nationwide

  • Value for money