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Tyre Retailer Insurance

Whether your store is your nest egg for the family or one of several investments, as the preferred insurance broker for Dunlop Super Dealers, the team at Marsh Advantage Insurance can provide the right advice for your business.  

Providing cover that’s designed for motor trades and tyre retailers

Marsh Advantage Insurance is dedicated to servicing over 500 tyre retailers nationally including member groups, franchises and independents. That’s why we are the preferred supplier to arrange insurance programs tailored for Dunlop Super Dealers.

Coming unstuck with unsatisfactory protection when driving customers’ vehicles? We can provide advice to arrange appropriate cover to address this serious and ongoing risk.

We understand that your Dunlop Super Dealer agreement requires you to have $20 million in Public Liability cover

Public liability insurance for motor trades and tyre retailers provides coverage for loss or damage a third-party suffers, or claims to have suffered, as a result of your business activities.


Minimum recommended cover for Dunlop Super Dealers

In addition to public liability cover, selected business insurances can help you reduce losses associated with running your Dunlop Super Dealer store:

  • Property insurance covers the contents and equipment of your business from unexpected specified events such as accidental damage, theft, fire and other perils such as storm and can extend to include flood.
  • There is more to protecting your business than simply insuring the physical assets. Business interruption insurance covers your business’ financial position, following a property loss, starting from the date of the loss and extending to when the turnover levels are back to its pre-loss level.

Emerging risks and trends for Dunlop Super Dealers to consider

  • The risk of a Cyber Breach is very real for any business that has embraced the digital age. In fact, 55% of Australian small business owners continue to unknowingly expose themselves to cybersecurity risks1. Any business that holds client information could be exposed to significant costs resulting from a cyber-attack.
  • The impact of a cyber breach can also be detrimental, with one third of Australian businesses predicting that they wouldn’t last a week without critical information if it had suddenly become compromised2. Not to mention, research shows 60% of SME’s that experience a cyber breach, go broke within six months.3
  • Cyber Breach Insurance provides cover for cyber incident response, cyber crime, extortion, system damage and business interruption, network security and privacy liability, media liability, technology errors and omissions and court attendance costs.
  • Driving customer vehicles. As part of your business you will inevitably sit behind the wheel of a customer’s vehicle. Are you sufficiently covered for damage to a customer’s vehicle whilst you or one of your employees are driving? This is the most common claim submitted by dealers.
  • During the normal course of repairing vehicles, unfortunately mistakes can happen, damage occurs and rectification of faulty workmanship is required. Fortunately, this is a risk you can insure against.
  • Providing advice to customers on products and their installation or use? We can help you address the risk of errors and omissions as part of this customer service through a tailored insurance program.
  • Dunlop Super Dealer Licensees must also adhere to stringent statutory requirements involving the use, maintenance and specifications of equipment and procedures (e.g. Work Health and Safety Regulations, building code, fire code, etc.). If you or one of your employees was to breach these requirements, regulatory bodies can impose fines and penalties in the hundreds of thousands of dollars. Statutory Liability Insurance provides cover for formal investigations by a regulatory body, government authority or professional institution, including any resulting civil fines and defence costs.
  • Employees and former employees can sue your business for a raft of alleged acts such as claims of underpayment, unfair dismissal, discrimination, bullying and harassment. Employment Practices Liability Insurance provides cover for claims making these allegations.

For full details of the terms, conditions and exclusions of the covers please refer to the Product Disclosure Statements (PDS) and policy wordings, which can be requested here .

Don’t let your insurance program go flat!

Call the Tyre Retailers team now on 1300 307 563 or email us at tyre.insurance@marshadvantage.com



1 Source:  NSW Small Business Commissioner, 2017 – Cyber Aware, p 3

2 Source:  Norton, 2017Norton SMB Cyber Security Survey Australia, p 3

3 Source: Australian Small Business and Family Enterprise Ombudsman, 2018 – Small business cyber security guide released

Notices: When arranging Public & Products Liability insurance products, Marsh Advantage act under binding authority on behalf of certain underwriters at Lloyd’s of London and not on your behalf. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. The Coverage Summary is prepared as a brief outline of the proposed cover.  It is not a complete description of all the policy’s terms, conditions and exclusions which determine coverage for a claim. Any statements concerning legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as legal advice, for which you should consult your own professional advisors.

LCPA: 19/0015


Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.