Retail shop insurance, built around your store
From boutiques and newsagents to hardware, homewares and online stores with a showroom, we arrange retail insurance for businesses Australia-wide.
We compare cover across a range of insurers and help you set sums insured that reflect your stock, fit-out and peak trading periods.
Typical covers
Common covers we can arrange. The right mix depends on your business, and not every cover suits everyone.
- Building or tenant fit-out
- Stock, including seasonal increases
- Glass and signage
- Theft and burglary
- Money (on premises and in transit)
- Public and products liability
- Business interruption
- Machinery and equipment breakdown
- Portable equipment
- Cyber insurance
- Management liability
Online and omni-channel retailers can also look at goods in transit and cyber cover for their e-commerce platforms.
Key risks we help you plan for
Theft and break-ins
After-hours burglary, shoplifting and smash-and-grab damage to doors, glass and display cases.
Customer injuries
Slips, trips and falling stock in your aisles can lead to public liability claims.
Products liability
Selling products, including imported goods, can expose you if an item causes injury or damage.
Fire, storm and water damage
A single event can destroy stock and fit-out and close your doors for weeks.
Lost trading income
Business interruption helps cover lost gross profit and ongoing costs while you recover.
Cyber and payment fraud
POS systems, online stores and fake invoice scams are a growing risk for retailers.
How we work with you
Independent broking, Australia-wide, with one point of contact.
- We learn how your business operates and what your contracts require.
- We compare cover across a range of insurers.
- We explain the key inclusions, exclusions and excesses in plain English.
- We support you at renewal and through the claims process.
Frequently asked questions
Is my stock covered for seasonal peaks?
Many retail policies can include an automatic seasonal stock increase for periods such as Christmas. Limits and conditions vary, so we check the wording and help you set an appropriate sum insured.
Does my landlord’s insurance cover my shop fit-out?
Usually not. A landlord’s policy generally covers the building, while your fit-out, stock and contents typically need to be insured under your own policy. Check your lease for what you are required to insure.
Do I need products liability if I only resell goods?
Retailers can still be held liable for products they sell, especially imported items where the manufacturer is hard to reach. Products liability is commonly combined with public liability.
Can you insure an online store?
Yes. We can look at cover for stock held at home or in a warehouse, goods in transit, products liability and cyber, depending on how you trade.
Talk to us about your cover
Call or email us and we’ll review your current insurance and talk through your options. We service clients Australia-wide.
Get in touch
- Phone
- (03) 9078 6473
- info@mminsure.com.au
- Hours
- 9:00am to 5:30pm, Monday to Friday
This information is general advice only and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD), available from us or the insurer. Cover is subject to the insurer’s acceptance, terms, conditions, limits and exclusions. We make no guarantee that cover will be available or that any claim will be paid.
M & M Insurance Services Pty Ltd ABN 54 664 837 138 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 | AFSL 238433. Please read our Financial Services Guide.