Retail Insurance NZ

Liability cover for shops, stores, cafes and hospitality businesses — public liability, business interruption, statutory liability.

Cover Retailers Typically Need

Third-party injury or property damage — a customer slips on a wet floor, a delivery damages a neighbour's property, a faulty product injures a buyer.

Often included in public liability for retailers. Covers harm caused by products you sell, even if you didn't manufacture them.

Replaces lost gross profit if you can't trade — fire, flood, supplier failure, prolonged power outage. Often the largest claim by value.

Covers stock, fixtures, fit-out, EFTPOS and POS equipment, glass and signage. Often packaged with public liability.

Defence and penalty cover for unintentional breaches of consumer law, food safety, employment law, or health and safety regulations.

Cash on premises, in transit, employee dishonesty, theft of stock. Especially relevant for cash-handling and high-foot-traffic retail.

First Commercial Insurance Brokers Ltd (FSP748591) places retail-sector cover with the insurers on our panel — we do not rank insurers.

Send your business details and we'll arrange written quotes through our broker partner.