Business Insurance for the Retail Industry

Having the right insurance cover is critical for your business. We understand the unique challenges that retail businesses face.

Lewis Insurance Services have been looking after retail businesses for a considerable amount of time. Our Advisers understand not all businesses are the same, and therefore each business Insurance requirements may differ.

At Lewis Insurance Services, we take the time to gain an understanding of your business risks and exposures and provide outside the box thinking and solutions to suit your specific needs and requirement without compromising the cover.

Lewis Insurance Services work with a large number of reputable Insurers to deliver tailored, flexible and cost-effective Insurance solutions in the market to ensure you have cover, should the unfortunate occur where you suffer a loss, damage or theft.

Lewis Insurance Services offer year-round support to ensure we are with you every step of the way. Whether your business is expanding or looking to head in a different direction, to making a claim, our friendly Advisers are ready to help and provide you with appropriate advice and support for your insurance needs.  

Retail Business within out appetite but not limited to:  

  • Cafés and Restaurants
  • Take Away Shops
  • Retail Shops (from clothing to sports equipment & accessories, fresh food to bakeries, general to specialty shops)
  • Online Retailers
  • Hairdressing & Beauty Salons
  • Motor Vehicle Dealers

 

Some of the Key Insurance Coverages to consider include;

  • Fire & Perils, for damage to your Property, Stock and Contents
  • Burglary & Theft of Stock and Contents
  • Business Interruption, providing insurance to protect your reduction in business income following an insured claim such as damage or theft of contents and stock
  • Glass: Breakage to shop window fronts & internal glass
  • Public Liability, to protect your legal liability for claims against you by third parties for bodily injury & property damage
  • Theft of Money following break-in or hold-up
  • Machinery Breakdown, such as breakdown of air conditioners, refrigeration equipment, kitchen equipment
  • Electronic Equipment Breakdown, such as breakdown of cash registers/ point of sale, computers, printers, audio/visual, phone systems
  • Management Liability, providing protection to the company directors for claims against them by third parties in respect of a wrongful act in running & management of the company, employment practices, crime/employee dishonesty, statutory liability/ workplace health & safety fine s& penalties
  • Cargo & Transit of goods within Australia and Overseas
  • Motor Vehicles used in connection with the business
  • Cyber Security, to cover expenses and loss of income following a cyber attack
     

Our aim is to help you get back in business quickly following a loss, so you can focus on doing business with your customers again.