Retail Insurance NZ

Comprehensive insurance for retail stores and shops. Protect your stock, premises, and business from theft, damage, and liability claims.

Public Liability From $20/month

Professional Indemnity Not Required

Stock & Contents From $40/month

Typical Cost $100-250/month

Essential Insurance for Retailers

Specialized coverage tailored to the unique risks faced by retailers

Essential

Protection for customer injuries and accidents in your store

From $20/month Learn more →

Essential

Coverage for inventory, fixtures, and equipment

From $40/month Learn more →

Recommended

Coverage for lost income during forced closure

From $30/month Learn more →

Illustrative examples of common business risks. Amounts shown are hypothetical.

Customer injured in store slip-and-fall accident. Public liability covered $85,000 in medical and legal costs.

Illustrative example: $85,000

Retail theft and break-in resulted in $45,000 stock loss. Stock insurance provided full replacement.

Illustrative example: $45,000

Fire damaged store and destroyed $120,000 in stock. Business interruption covered lost income during rebuild.

Illustrative example: $120,000

Sold product caused customer injury. Public liability covered $65,000 in compensation and legal fees.

Illustrative example: $65,000

Your stock, fixtures, and fitout represent significant capital. Insurance replaces it if damaged or stolen.

Public liability protects you from potentially devastating customer injury claims.

Business interruption insurance keeps you afloat during forced closures or recovery periods.

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