Insurance for Shop Owners


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  • Choose from a range of covers 

  • Competitive Prices from leading insurers 

  • Instant online purchase – no paperwork 

Why do Shop Owners need it?

While you are busy doing what you do best by helping your customers with their shopping needs, let us take care what we do best – your business insurance. Whether you sell the best fish and chips in town or the quirkiest gifts around, you can receive free quotes delivered to your inbox in minutes with just a few clicks or a quick phone call. All our quotes can be tailored to your business’s specific needs. Choose the policy that you prefer and you will be covered instantly, letting you get back to looking after your customers quicker.

Did you know?

Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a requirement that your landlord is noted as an interested party on the insurance policy. Check your lease carefully to make sure that you meet all the listed insurance requirements.

Insurance for Shop Owners

Public Liability Insurance* 

As a shop owner, there’s potential liability exposure that can arise from the daily operations of your retail business. This insurance product covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity. Note that in the case of injury, only aspects of the claim not , picked up by the ACC will be covered.

If you lease your premises, then your landlord may specify that you have Public Liability insurance up to a minimum amount. However, it is up to you to decide if you need a level of cover above that minimum. You can ask yourself what amount you would be able to pay should the worst happen without financially crippling your business. You can then consider taking out Public liability insurance based on that figure.

What is covered?

  • Compensation for accidental damage to third party property 
  • Compensation for personal injury or death to third parties where the ACC does not provide cover 
  • Legal and defence costs 

What is typically NOT covered? 

  • Injury to your employees 
  • Damage to your own property 
  • Compensation for personal injury whereby cover is provided by the ACC 
  • Unknown losses of stock only realised at a stock taking  
  • Known claims and circumstances 

Business Insurance* 

Your customers may be your bread and butter, but your business assets are what help keep your store functioning. All it takes is a few unforeseen challenges to impact your business and its finances.  

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. 

A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.    

Cyber Liability Insurance 

This one may seem a little more unlikely, but bear with us. You handle multiple transactions each day, and deal with. This credit card and billing details, financial records, and addresses. You might have an online system to organize your payroll. What would you do If any of this data was compromised? Your client’s privacy and your reputation would both be at stake. A cyber-attack could also shut down your website or POS system, and prevent you from trading for hours or even days, causing you to lose out on business. 

Cyber Liability insurance is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are unintended loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event. You also have the option to add cover for Social Engineering, Phishing or Cyber Fraud. 

Things to consider

  • Does your business rely on portable property (such as tools)?
  • Would having to replace or repair of the equipment put your business under financial stress?
  • Is your portable equipment stored in the open air or is it secured? Your policy wording is likely to explain how your portable property is required to be securely stored for it to be covered by your insurance.

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice

Publicliability-insurance NZ is owned and operated by BizCover Limited

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