We're sorry but your browser is not supported by Marsh.com.au

For the best experience, please upgrade to a supported browser:


Insurance for Retailers

Safeguard your retail business with insurance arranged by Marsh.

Whether you own one store or many, we offer risk management and insurance advice tailored to meet the needs of the Australian retail industry.

What Insurance do Retailers need?

Whether it's an accidental injury to a customer, stolen money, or even damage to your store due to a natural catastrophe, there are many instances where insurance can play a vital role in protecting your retail business. While the risk requirements and appetite from one business to another will always differ, there are several risk exposures commonly faced by Australian retailers. To help safeguard your business from these risks, our specialist brokers recommend considering business insurance cover.

Business insurance is a packaged insurance policy designed to help cover retailers from risk exposures prevalent to the retail industry. Store owners have the ability to take out specific cover options within the package depending on their business requirements.

A packaged business insurance policy can include:

Business Interruption Insurance

Can help retailers recover and get back on track after an unexpected significant property loss, including temporary shutdown from serious fire or storms.

Learn more

Public Liability Insurance

Public liability cover can help protect a retailer if a third party (usually a customer) claims they have suffered an injury or their property was damaged due to the businesses negligent activities.

Theft and Money Cover

Can help cover retailers money and contents from theft whilst on their premises during and outside business hours.

Electronic Equipment Breakdown Cover

Can help cover breakdown of electronic equipment at your premise (e.g. photocopiers, computers, POS).

Employee Dishonesty Cover

Designed to help cover loss of money or contents caused by your employees' theft, fraud or dishonesty.

Tax Audit Insurance

Can help cover your business for costs incurred in unexpected tax and audits conducted by the Australian Taxation Office.

Product Liability Insurance

Similar to public liability, product liability insurance can help cover your business against third party allegations that your product caused serious injury or damage to their property.

Glass Cover

Can help cover physical property (glass windows), the contents and equipment of your business from unexpected specified events, such as accidental damage, theft, fire and other perils.

Property Insurance

 Can help cover the physical loss or damage to business assets at premises from specified unforeseen occurrences, such as fire and storm damage.

Machinery Breakdown Cover

Can help cover any sudden or unforeseen breakdowns of your equipment which is housed on business premises.

Management Liability Insurance

Management liability cover can help protect managers of a business against claims arising from alleged wrongful acts.

Arrange a quote for your Retail business today.

Our experts can help identify your business risks and mitigate against them with effective insurance and risk management advice.

Request a quote



Deal with specialist brokers who understand your industry’s risks

Specialised retail industry expertise

Having supported Australian retailers for over 20 years, our team of dedicated brokers use their in-depth industry knowledge to arrange cover that meets the specific risk needs of retail businesses.

Tailored Insurance coverage

We help drive value to our clients by obtaining comprehensive business insurance that’s tailored for the unique and evolving risk exposures of the industry.

Claim management and advocacy 

Processing and waiting for claims can often be a costly and time-consuming exercise. Our Retail team can help manage, negotiate and settle claims with insurers on your behalf.

Monthly payment options

Insurance premiums paid in a lump sum can often affect business cash flow. At Marsh, we can help organise for your premium to be arranged into monthly instalments at a competitive interest rate.



Do you run an e-commerce retail business?

Whether it’s a full-time business or part-time side gig, make sure your online retail store is protected from the unique risk exposures the industry faces.

Additional Insurance solutions

Cyber Insurance

The cyber threat landscape is complex and rapidly evolving. As businesses become more reliant on technology, the risk of cyber threats and attacks is heightened. Help protect your small business with cyber insurance.

Learn more about cyber insurance 

Commercial Vehicle Insurance

Commercial vehicle insurance can help cover the cost of damage to a business vehicle or third parties property in the event of an accident. We can arrange a variety of products, including comprehensive, fire & theft and third party property only coverage.

Find out more about commercial motor vehicle insurance

Marsh is with you in these challenging times

As retail businesses across all segments continue to feel the firsthand impacts of the global pandemic, it's crucial that your insurance coverage remains aligned with your businesses exposures and risk appetite.

Our team are available to complete a thorough review of your current policy and offer insurance advice that supports your business's risk needs.  

Arrange a consultation with one of our team members today.

Frequently Asked Questions

Does Marsh offer monthly payment options?

Yes, we can organise monthly instalments* through premium funders, provided you meet certain criteria. To request monthly payments, please call us on 1300 133 988 or fill out our contact form.

*Interest and additional fees may be applicable. Terms and conditions apply.

What is the difference between Public Liability and Professional Indemnity Insurance?

Considered two of the most important forms of insurance for businesses, public liability and professional indemnity insurance can help to provide cover for very different risks.

Public liability insurance can help protect your business against financial losses if a third party claims that they’ve sustained an injury or that their property was damaged due to your negligent business activities.

Whereas professional indemnity insurance can help protect a business if a third party (usually a client) claims that an error in the advice or service they received from a professional has caused injury, damage, or financial loss. It can help cover settlements judgements, investigation costs and defence costs in relation to professional indemnity claims or action made against a business.

What is an Interested Party?

You may be asked to note another business as an interested party or insured on your policy. Interested parties may be a financier, commercial landlord or principle contractor who has a vested interest in your business risks being appropriately protected.

Marsh can help you navigate through the ways this can be achieved and minimise risk to your business.

How are claims handled?

The value of any insurance policy is tested by its ability to respond to claims when needed.

As a broker, Marsh acts as an advocate for our clients in the event of a claim. Our team will negotiate with insurers to get the best possible terms on your behalf, coordinate and manage all aspects of the claim.

Why is it important to disclose all business operations and insured/trading names?

Every time a business renews or obtains a new insurance policy, they are required under a duty of disclosure statement to correctly note their activities. This is important as it allows the insurer to apply the correct premium based on the risk. By not accurately disclosing the complete operations of your business, the insurer can have the right to decline cover in the event of a claim.

Making sure correct business names are noted on your policy can also help an insured avoid a potential rejection or declinature of a claim.

Our specialists are available to answer any questions you may have during the insurance placement process and aim to offer risk advice appropriate for your business needs.

Helpful Articles

Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors.

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.