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Retail insurance

Save time shopping around. Let Marsh arrange cover to suit your business – so you can stay focused on your customers.

What is retail insurance?

Retail insurance, is insurance specifically designed to help protect retail businesses, safeguarding them against various risks and liabilities that retailers may face, including things such as:

  • Damage or loss of physical assets such as the building, inventory, and equipment
  • Third-party claims of injury or property damage
  • Business disruption due to unforeseen events or incidents
  • Defective products causing injury or damage to employees or customers
  • Cyber attacks or breaches
  • Theft, burglary or other criminal acts that may occur within your retail business.

These are some examples, but the type of retail insurance package you may need will depend on the size of and nature of your business.

Cover we can arrange

Public and product liability

Helps protect you if a customer suffers an injury or property damage while on your premises – or because of your product or service.

Glass cover

Helps cover glass windows, plus your business’s contents and equipment, against insurable events – like accidental damage, theft or fire.

Machinery breakdown

Whatever you use it for, this helps cover unforeseen breakdowns of machinery and equipment housed on your business premises.

Property insurance

Helps cover your on-premises assets against physical loss or damage from insurable, unforeseen events – like fire and storm damage.

Theft and money cover

Helps cover money and contents for theft on business premises. Includes a cover option for losses caused by employee dishonesty.

Tax audit insurance

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

Additional cover we can arrange

Product and services

Business interruption insurance

A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

Learn More

Product and services

Management liability insurance

Help protect your business – and your team – against management and operational risks with management liability cover.

Learn more

Product and services

Workplace personal injury cover

On-the-job injuries can hurt – and not just the injured worker. Help protect yourself against costly claims with cover arranged by Marsh.


Why should you consider retail insurance?

Retail businesses face a wealth of unique risks and exposures – with many commercial properties also requiring specific cover to ensure your lease stays active.

These covers may include: 

  • Public liability insurance 

  • Glass cover 

  • Workers compensation insurance.

But whatever your needs, Marsh can arrange tailored retail insurance cover – protecting you from whatever comes your way.

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

20+ years supporting retail

Our dedicated team of specialised retail brokers have supported Australian businesses for more than 20 years.

Tailored and competitive

Our brokers will do the groundwork to arrange the most comprehensive and competitive cover, tailored to your business.

Monthly payment options

You can choose to pay your premiums in monthly instalments to suit – and improve – your business cash flow.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Frequently asked questions

Public liability cover and professional indemnity cover are considered the two most important types of business insurance. 

Public liability insurance can protect your business against a third-party negligence claim following an injury or property damage.

Professional indemnity insurance can protect you if a third party claims that an error in the advice or service you provided caused them injury, property damage or financial loss.

Interested parties include other companies or people who have a vested interest in your business’s risks being appropriately managed.

These include: 

  • Financiers 

  • Commercial landlords 

  • Principal contractors.

 They may request a copy of your certificate of currency with their name noted as an interested party. You can contact Marsh to add them at any time.

As your insurance broker, Marsh will act as your advocate in the event of a claim.

Our team will negotiate with insurers, coordinate and manage all aspects of the claim process, and strive to get you the best possible outcome. 

When your business renews or obtains a new insurance policy, you’re required to update your activities. This allows the insurer to apply the correct premium based on the risk.

If you do not accurately disclose this information, your insurer may decline cover in the event of a claim.

To ensure your information is up to date, or to ask a question, reach out to one of our specialist Marsh brokers.

Cyber attacks on Australian businesses happen once every ten minutes*. 

The main targets? Small-to-medium enterprises. The main reason? A lack of cybersecurity. 

Over 60% of smaller businesses** will not survive a cyberattack. It can cripple IT systems, websites, customer data and payment systems in seconds. 

We highly recommend cybersecurity insurance for the safety and longevity of your online retail business.

Related insurance solutions

slected option

Business interruption cover

A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

Business insurance

Looking for specialist expertise? Our brokers will tailor business cover for you – no matter your industry.

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

Professional indemnity

Help protect your business against claims of misleading advice, breach of duty and negligence with professional indemnity cover.

Public liability insurance

Help protect your business against third-party accidents and costly legal fees. Let us arrange the right cover for your needs.

Workplace personal injury

On-the-job injuries can hurt – and not just the injured worker. Help protect yourself against costly claims with cover arranged by Marsh.

Allied health insurance

Arranging cover options for more than 700 allied health modalities, we’re here to support the vitality of your health service.

Travel agent insurance

We can arrange insurance products and services that may suit the travel industry, including professional indemnity and income protection.

Jeweller insurance

Jewellers need to be precise and comprehensive. So does their insurance. Let us arrange comprehensive cover – tailored to you.

LCPA 23/144

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. 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. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

* Cybercrime reported every 10 mins - Government News

** An update on cybercrimes on Australian small and medium businesses - Australian Retailers Association