What does Tobacconist Insurance cover?

Tobacconist Insurance typically covers damage to the building structure, fixtures and fittings, stock protection, and optional extras like glass breakage or loss of rent. It can also include protection against fire, theft, vandalism, and certain natural disasters.

Is Tobacconist Insurance legally required?

While Tobacconist Insurance itself may not be legally required, certain components—such as Public Liability Insurance or Workers’ Compensation—may be mandatory depending on your business operations and location.

How much coverage does my tobacconist shop need?

The amount of coverage depends on your shop’s size, location, stock value, and the level of risk. A tailored policy can ensure you’re not underinsured or overpaying for unnecessary coverage.

Does Tobacconist Insurance cover loss of income?

Yes, you can add Business Interruption coverage to your policy, which can help cover loss of income if your shop is forced to close temporarily due to an insured event like a fire or storm.

Can I insure multiple tobacconist shops under one policy?

Yes, many insurers offer multi-location coverage, allowing you to insure several tobacconist outlets under a single policy for convenience and potential cost savings.

Retail Shop Insurance - Commercial Property Cover

Same-Day Coverage, Your Way

What is Retail Shop Insurance?

Retail shop insurance is a specialised policy designed to protect retail businesses from common risks like theft, fire, property damage, customer injuries, and stock loss. Whether you run a clothing boutique, electronics store, or local grocer, this insurance provides essential coverage for your premises, contents, and daily operations. Policies can include public liability, product liability, business interruption, and employee cover—helping you recover quickly from unexpected events and continue serving customers without major financial setbacks.

Why Choose Commercial Property Cover?

We understand the complexities of protecting your assets and offer tailored solutions. Ensure your peace of mind choosing Retail Shop Insurance with us because:

PUBLIC LIABILITY

A policy designed to protect you and your business if liability was to arise

BUSINESS PROPERTY

Designed to insure the value of your building and contents in the case of an insured event

MACHINERY BREAKDOWN

Designed to cover machines and electric motors that may be used at your property

SIMPLE SETUP

Quick and transparent service so you can get the right cover at a great price

MONEY

Designed to cover cash left at the premises after an insured event

24/7 CLAIMS

Lodge a claim 7 days, so you can get repairs as quick as possible

Our 4 Step Process

For Getting Your Retail Shop Insurance

1: Get a quote

Fill out a free quote with your property and business details.

2: Review Options

Compare personalised coverage plans.

3: Consult an Expert

Speak with a specialist to clarify any questions.

4: Get Covered

Finalise your policy and secure your property.

Running A Retail Shop? Protect It.

GET TAILORED RETAIL SHOP INSURANCE WITH COMMERCIAL PROPERTY COVER:

🔒 Peace of mind.
📞 Expert advice.
📋 Fast quotes.

Frequently Asked Questions

What does Retail Shop insurance cover?

Retail Shop insurance typically covers damage to the building structure, common areas, spaces, liability claims, and protection against fire, theft, vandalism, and natural disasters.

Is Retail Shop insurance required by law?

Retail shop insurance isn’t legally required in Australia, but some components like workers compensation are mandatory if you have employees. Public liability insurance isn’t compulsory by law, but is often required by landlords and highly recommended for protection.

How do I determine the right coverage for my Retail Shop?

Coverage depends on the size of the Retail Shop, property value, and specific risks. Consulting an insurance professional can help tailor the right policy.

Does Retail Shop insurance cover loss of income?

Business interruption coverage can be included to protect against loss of income if the property is damaged and cannot operate.

Can I insure multiple Retail Shops under one policy?

Yes, many insurers offer multi-property policies to cover several Retail Shops under one plan for easier management and potential savings.

Let's get you insured.

1300 080 323

Retail Shop Insurance