Retail Insurance

Protecting Your Retail Business in Australia

Running a retail store is exciting but also full of challenges. From unexpected property damage to customer accidents or cyber risks, even one incident can put your business under pressure.

That’s why retail insurance is essential. The right cover protects your shop, your stock, your staff, and your livelihood. At Design Cover, we specialise in tailoring business insurance for retailers across Australia, giving you peace of mind so you can focus on growing your business.

Why Retailers Need Insurance

Retailers face risks every day:

  • Customer injuries – slips, trips or falls in store.

  • Property damage – from fire, storms or vandalism.

  • Theft or burglary – high-value stock is a common target.

  • Cyber attacks – EFTPOS, POS systems and online stores are vulnerable.

  • Business interruption – closure due to an insured event can mean lost income.

Without the right insurance, these risks can be financially devastating.

Types of Retail Insurance Cover

  • Public Liability Insurance

Covers claims if a customer or supplier suffers injury or property damage in connection with your store.

  • Product Liability Insurance

Protects you if goods you sell cause harm or damage—even if you didn’t manufacture them.

  • Property and Contents Insurance

Covers your shop, fit-out, stock, shelving and point-of-sale equipment against fire, storm, and other damage.

  • Business Interruption Insurance

Keeps cashflow moving if your store has to close temporarily due to an insured event.

  • Cyber Insurance

Shields your business against data breaches, cyber attacks and system outages.

  • Workers Compensation

A legal requirement if you employ staff, covering work-related injuries or illness.

  • Management Liability Insurance

Protects owners and managers from risks like unfair dismissal or workplace breaches.

Tailored Insurance for All Retailers

No two retailers are the same, so neither should their insurance be. We work with:

  • Small boutiques – tailored cover for high-value or unique stock.

  • Large retail outlets – comprehensive protection across premises, staff and customers.

  • Online + physical retailers – cover that blends shop insurance with cyber protection.

  • Specialty stores – whether you sell electronics, food, fashion or homewares, we’ll find cover that fits.

Why Choose Design Cover?

As experienced insurance brokers, we don’t just find a policy — we make sure it’s the right policy for your business. We’ll:

  • Compare cover from multiple insurers.

  • Tailor a retail insurance package to your risks.

  • Ensure you’re not underinsured.

  • Support you at claim time.

We work for you, not the insurer — giving you confidence that your retail business is properly protected.

Get a Retail Insurance Quote Today

Your store deserves protection that fits your business. Talk to us at Design Cover about retail insurance in Australia and let us create a tailored solution for your shop.

📞 Call Tanya on 0419 550 677 or
📧 Email us at hello@designcover.com.au to get started.