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Public & Products Liability Insurance For Retailers

Retailers insurance with $5m, $10m & $20m limits
Instant Certificate of Currency
Australia-wide coverage
Market leading cover
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Insurance for Handyman Businesses

Instant cover for handyman businesses & contractors. Public & Products Liability insurance that protects you and your clients.

Starts from $390 per year

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protects you against

What is covered under this insurance policy for retailers?

Retailers insurance cover is under the public and products liability insurance which is designed for Aussie Retailers.

This policy covers retail business insurance owners. Affordable retailers insurance available online.

Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your services in Australia.

Products Liability

Products Liability insurance protects you for claims made against your business for any products sold or supplied by you to a third party. This might be a claim arising from a faulty product that injured someone else.

Vicarious Liability

Vicarious liability insurance covers you for any conduct of your agents, contractors or employees in the performances of your services.

Care, Custody & Control

Care, custody & control pays for property damage that might occur to premises or third party parked vehicles while you occupy premises and where the loss or damage did not occur through the performance of your work.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

other benefits

Value added benefits of retailers insurance

Contract Review

This entitles you to four contract reviews each year you have your retail business insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered

Events covered under Retailers Insurance

Physical Injury

You stack the shelves of your store too high, as a customer walks through the isle a heavy box falls from the top shelf, landing on their head resulting in a fractured skull.

Trips, Slips and Falls

As a customer is leaving your premises they trip over the small step in the doorway and land awkwardly on the concrete outside, dislocating their elbow.

Negligence

You sell a large bunch of balloons to a customer and hand it to their child to hold. As the customer is walking back to their car, their child releases all of the balloons which hit a power line and shorts out the electricity in the entire block.

Error of Judgement

A customer is in your shop with their 3 year old child. The child is throwing a tantrum, so you give them a toy to play with. The toy is rated 12+ and you didn't realise. The child swallows a piece and needs surgery to get it out.

Bad Professional Advice

A customer comes in to buy some candles. You recommend your favourite one that's in a glass jar because "you love falling asleep with the candle burning." The customer takes your advice and tries it out. The candle starts a fire in their bedroom which burns down their house.

Third Party Damage

You sell an outdoor firepit to a customer, they take it home and set it up. Later that night the customer starts a fire. The gas link is faulty, it ruptures causing an explosion that destroys your customers outdoor patio.

exclusions

What is not covered (exclusions) under the retailer insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Hairdressers & Barbers
See More
Beauty therapists & Beauty salons
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Eyebrow shaping
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Makeup artist
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Makeup artist
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Other 50+ Construction Occupations
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how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as a retail business and your expected income! No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get retail business insurance for yourself or for your landlord, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, retail business insurance is the perfect solution for business owners.
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Latest Posts

From Our Blog

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FAQs

You asked, We answer

Why is retailers insurance important?

Being the owner or operator of a gift shop comes with risks. This leaves scope for errors and sometimes mistakes happen or things do not go according to plan. If your customer holds you responsible, it could put at risk everything you have worked for.
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You may still be required to get insurance even if you are working as a sub-contractor. If you’re unprotected, you could suffer a devastating financial blow.

What can a retail business be sued for?

While we hope it doesn't happen, retail shops can potentially be sued for: 
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• Covering medical costs (current and future) for a client or third party that is injured
• Loss of a client or third party's earning capacity when the client is off work
• Additional compensation if the damage to the client or third party is permanent/long-lasting
• Mental trauma, pain and suffering of the client or third party from the injury

What limits are available with upcover's retailer insurance?

You can get covered today with tailored retail business insurance that provides public & products liability insurance limits available up to $20m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”). upcover markets insurance products and services on behalf of Armada. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance offered on upcover.com is underwritten by Professional Risk Underwriting Pty Ltd ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”). Armada, ProRisk and upcover and their employees act as agents of Swiss Re, not as your agent. Neither ProRisk, Armada or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2024 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078