Retail Shop Insurance – Frequently Asked Questions

  • I do not see my particular trade or type of retail shop listed on your website. Can I still purchase insurance?
    Yes, please select 'other' if you do not see your particular trade, or a best match, on our list of insured types.
  • I don't have a business name yet. Can I still get insurance?
    The business name field on the application is only needed if you are a Limited or Partnership company. Otherwise, please insert your personal name.
  • I have a commercial vehicle for my retail shop. Is this covered under the Shops policy?
    Yes, some insurers may insure your vehicle/s, on the same policy.
  • If I receive a quote for insurance coverage, how long is it good for? How far in advance can I request a quote?
    Your insurance coverage quote is valid for 30 days from the day you receive it; you can only request a quote within 30 days in advance.
  • I am unsure of the date or amount of my claim.
    For any uncertain information regarding your claim, please contact your insurer to discuss the details.
  • What does public liability coverage include?
    Public liability coverage protects you as the property owner from legal liability for death or bodily harm on third-party individuals (other than an employee). It also covers loss or damage to third party property from out of the operation of your business.
  • What does employer's liability coverage include?
    Employer's liability coverage protects you as the property or business owner against any claims for compensation from employees who are injured on the job that you are legally liable.
  • What does malicious damage coverage include?
    Malicious damage coverage protects your property from any intentional damage done by people lawfully on the premises, such as tenants or invited visitors. Examples of this kind of intentional damage include vandalism, graffiti, or cannabis farms.
  • What are the coverage exclusions?
    Your policy documents will include any related exclusions, terms, and conditions. For particular questions regarding your policy and any exclusions, please contact your insurer.
  • What is the standard excess and out of pocket cost to me?
    The excess or out of pocket cost to you for your policy is found within your policy documents. If you have any additional questions, please contact your insurer.
  • What form of payment do you accept?
    We accept only payments via monthly debit order, or annual payment by bank transfer. We do not accept cheques or cash.
  • If I renew my policy, do I receive any new documents?