Insurance for Small Retailers

• Business contents and stock cover
  (Material Damage)
  Covers the equipment and stock at your business premises
• Business building insurance
  (Material Damage)
  Covers the buildings you own
• Public (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.
• Employer’s Liability
  Covers legal liability if your employees are injured and it’s not covered by ACC.
• Business Vehicle insurance
  Covers loss or damage to your business vehicles, so you can keep moving.
• Talk to us also about:
  • Business Interruption Insurance
  • Machinery Breakdown Cover
• Find out more

If there’s a burglary, fire or natural disaster and your place of business is damaged, you’ll need your important business equipment and stock repaired or replaced quickly. Last year around 20% of claims made by small business owners were to replace business assets damaged by fire, flood, or storms.

No matter how carefully you operate your business, accidents and mistakes can happen. Having liability cover will ensure you’re covered for costs.

Should something happen to your place of retail, Business Interruption will cover loss of earnings and extra expenses to keep your business running during this time. We helped over 370 small businesses last year with costs when their business was interrupted by asset damage.

If you're a café/restaurant or food retailer, our Stock Deterioration cover will ensure your refrigeration goods are covered if your fridge or freezer breaks down. Our Machinery Breakdown cover will ensure your refigerator is up and running again in case it breaks down.