Insurance for Retailers
Prepare for the unexpected with business insurance. Find cover for clothing shops, grocers, florists and more!
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From multiple insurers
Save Time
Buy online in minutes
Save Money
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Instant Cover
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On this page:
What is retailers insurance?
Business insurance helps retailers like you protect their growing businesses. Depending on the cover you choose, it could help you manage costs like customer injuries, replacing damaged stock, and legal expenses.
Open for business, open to risk? Damaged stock, unplanned trading interruptions, cyberattacks—the potential troubles for a retail business never end.
Situations like these, and many others could create expensive bills for your business. If paying them out of pocket would force you to shut up shop, it may be time to consider business insurance.
Why might retail businesses need insurance?
You may be required to have business insurance to do things like:
Lease commercial space.
Replace damaged stock.
Manage a cyberattack.
Pay legal costs if you face a claim.
Types of retail businesses we cover
BizCover has insurance options for a whole roster or tradie occupations.
If you don’t see a match below, it doesn’t mean we can’t cover you.
Bakeries
Sells freshly made bread, pastries, cakes, and treats
Sells fresh fruit and vegetables
Sells books, magazines and other publications
Sells clothing, accessories and footwear
Florists
Designs, creates and sells floral bouquets, centrepieces, and other arrangements
Convenience Stores
Sells a limited range of groceries and household items with extended trading hours
Sells souvenirs and other small novelty items
Butchers
Prepares and sells fresh meats, poultry, and seafood.
What does your business do?
Search your occupation, compare cover, and buy online in minutes.
Save time & money by buying online in minutes.
Types of cover we offer retail businesses
Unsure what types of business insurance to get? We’ve got you! Here’s what other retailers tend to choose:
Popular cover types for retailers:
Retailers could also consider:
Other Covers
Employers Liability
Employers Liability Insurance
Covers you against claims related to employee workplace injuries (when not covered by ACC) including costs such as:
- Legal and defence
- Compensation costs
Business Interruption
Business Interruption Insurance
Covers loss of income or increase in operation costs when your biz is impacted by events like:
- Property damage
- Fire
- Storm damage
Cyber Liability
Cyber Liability Insurance
Covers your business from legal costs and expenses caused by cybercrime incidents such as:
- Data breaches
- Extortion
- Forensic investigation
- Business interruption
How much does retail business insurance cost?
Your small business is unique. That means you might face different risks than other retailers and may pay a different price for your cover.
With BizCover, insurance can be tailored to fit the size, risks, and needs of your business.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Get cover that works with the risks of your business
You can select from 5 different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today.
Select Profession
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Add Business Details
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Search your
Occupation
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Cover(s)
Enter Business
Details
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Today
How it works – making a claim
We’ll assist you through the claims process & manage your claim directly with the insurer.
Let us know Fill out our claims form and provide info to support the claim
Receive extra support We will assist you with your claim
Claim results We will notify you of the claim outcome.
Let us know Fill out our claims form and provide info to spport the claim
Receive extra support We will assist you with your claim
Claims results We will notify you of the claim outcome
Our Insurers
We work with a selected group of trusted NZ insurers to offer you great cover.
The savings are real
See how much others have saved while purchasing policy through Bizcover
Martin
Gardener from
Christchurch
Saved
$2,000
on
Public Liability, Statutory Liability
& Employers Liability
Vicki
Management Consultant
from Napier
Saved
$1,500
on
Professional Indemnity &
Public Liability
Ian
Plumber from
Picton
Saved
$600
on
Public Liability&
Statutory Liability
Yvonne
Councellor from
Rotorua
Saved
$100
on
Public Liability &
Professional Indemnity
^ Savings made from January 2023 to July 2024. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
What sets BizCover apart?
We are not just a comparison and buy site.
Make Claims Online
We’ll manage the process on your behalf with the insurers.
Flexi Payment Options
Pay monthly or annually, cancel at any time.
One Stop Shop
Manage multiple cover types in one place.
Easy Renewals
Optional automatic renewal to stay protected.
Hear from our customers
Real-life customer reviews verified by Feefo
Efficient
Trusted Customer
Efficient and great price
Quoted and bought insurance online, very quick and a great price.
Definitely worth
Burnett B
BizCover is definitely worth their word. Quick easy understandable cover
Straight forward
Trusted Customer
It is very straight forward and easy to understand and you can choose whatever you need for your business.
Easy to choose
Pavan K
Easy to choose business insurance. The search and the options provided were very simple and straight forward, didn’t expect it to be that easy.
Fast, friendly and efficient
Kylie T
The customer service agent was excellent. He explained to me clearly all the questions I had. Can’t be beat on price for the policy I needed and I was contacted within half an hour of my enquiry. Policy was confirmed on the phone. Excellent.
