Insurance for Retailers

Business Insurance can help protect your small business. Choose your cover online in just a few easy steps.

Speak to us on 13 24 81
Business Insurance quote
Save up to 10% when you buy a new Business Insurance policy online1. 1Conditions apply

You can get a range of cover

Business Insurance is flexible and can be easily customised to meet your business’ needs.

You can choose from a range of options to cover your business, from Public Liability cover to protection for your work tools, commercial vehicles, and more.

  • Property

    Covers your business premises for damage to buildings, contents, stock, tools and equipment caused by fire, natural perils like storms, and/or malicious damage.

  • Theft and money

    Covers you if a person breaks into your premises (or the premises you are renting) and steals your business stock, contents, equipment or money.

  • Public and product liability

    Protects your business against claims for accidental damage or injury caused to an individual or their property as a result of your work.

  • Glass

    Covers breakage to shop front windows, glass shelving, display cabinets, sign writing and advertising signs.

  • Machinery

    Covers breakdown of certain machinery you need to run your business – for example, cash registers, salon equipment or air conditioners.

  • This is a summary only, for the full details of what is and is not covered, please read your Product Disclosure Statement (PDS).

Start your quote now

Get a quick quote

Or call us on 13 24 81

Looking for policy documents?

Log in to CGU Online to download your Certificate of Currency or Certificate of Insurance.

Or you can:

Request Certificate of Currency Request Certificate of Insurance Request Tax Invoice

More cover options

You can also consider these other covers for your business.

  • Business interruption

    Covers a shortfall in your gross profit if your business is interrupted by an incident we cover.

  • Portable property

    Covers you for loss, damage or burglary for insured property (e.g. tools) you take on the road with you or stored at a worksite away from your main premises.

  • Personal accident and illness

    Provides a weekly benefit in the event of certain injuries, accidents or illnesses.

  • Employee dishonesty

    Covers you against loss of money caused by any fraudulent or dishonest act by an employee with the clear intent of making improper personal financial gain.

  • Machinery

    Covers breakdown of machinery you need to run your business, for example cash registers, salon equipment or air conditioners.

  • Commercial motor vehicles

    Covers the motor vehicles you use to operate your business.

  • Tax investigation

    Covers the cost of professional fees resulting from an audit or investigation which relates to you paying a tax.

  • This is a summary only, for the full details of what is and is not covered, please read your read your PDS.

Get a Business Insurance quote

Want a quick quote right away? You can get a quote and buy your business insurance online in under 3 minutes. Need help choosing the right insurance? Our CGU business insurance specialists can help answer your questions, or help you find an insurance broker if you need more help.

Get an online quote in a few minutes Speak to us on 13 24 81

Business Insurance FAQs

  • What is Public Liability Insurance?

    Public Liability Insurance protects your business against claims resulting from accidents or injuries that occur as result of your business activities or products, as well as damage to property owned or controlled by someone else.

    Find out more about Public Liability Insurance.

  • How much Public Liability Insurance do I need?

    Every business is different, and there is no ‘one size fits all’ rule for how much Public Liability Insurance your business needs.

    We offer multiple levels of public liability cover which can be purchased from us directly:

    • $5 million
    • $10 million
    • $20 million

    If you need more cover, call us on 13 24 81 (8am–7pm AEST, Mon–Fri).

    Public liability claims can be very costly, so it’s important you choose a level of cover that will financially protect your business should you need to make a claim.

  • What’s the difference between ‘theft’, ‘money’ and ‘employee dishonesty’?

    Theft covers you from a person breaking into your business premises and stealing business stock, contents or equipment.

    Money covers money being stolen (theft just covers physical contents, not currency).

    Employee dishonesty covers you for loss of money caused by a dishonest or fraudulent act by an employee with the clear intent of making an improper personal financial gain.

    For more information about the cover options, and what is covered, please read your PDS.

  • What does business interruption cover?

    Business interruption can cover the shortfall in gross profits caused by the interruption to your business resulting from an insured event (eg storm or fire damage) and can help pay ongoing costs and protects profit margins until your business is back on its feet and back at its profit level before the interruption.

    Find out more about business interruption and how it works.

    For more information about this cover, please read your read your PDS.

  • What is personal accident and illness cover?

    Personal accident and illness insurance helps you cover your costs if you are unable to work due to injury or illness. You can also select an option for compensation if certain specified permanent injuries occur (this is referred to as Lump Sum benefits).

    For more information about this cover, please read your read your PDS.

  • What is the difference between personal accident and illness cover and income protection cover?

    Personal accident and illness can cover you if you are self-employed, and it provides short to medium term cover (maximum 104 weeks) if you are unable to work because of injury or illness.

    Income protection can cover anyone (self-employed, home-makers, part time workers, full time employees, etc) and is intended to be a long-term cover.

    For more information about this cover, please read your read your PDS.

  • Do I need workers compensation insurance?

    Generally, if you employ or engage anyone else to work for you, you need workers compensation insurance. A ‘worker’ is a person who has entered into work under a contract of service with you. There doesn’t necessarily need to be a formal written contract in place. A verbal agreement or simply intent or understanding of an arrangement might be enough for someone to legally be considered a ‘worker’ under your state’s workers compensation legislation.

    Each state and territory in Australia has different types of workers compensation schemes. For more information about workers compensation in your state, please visit our workers compensation section.

  • Can I pay monthly at no extra cost?

    Yes, you can choose to pay monthly at no extra cost to help your business manage cash flow.

Business interruption

Insuring for business interruption

Would your business survive if you had to shut your doors? Find out more

Forms and downloads

For previous policy booklets, check our policy booklets page.

Things you should know

1 You can save up to 10% on the Business Insurance 'base premium' when you first purchase online. The base premium doesn't include any government or statutory charges. You will only get a discount on your first year's premium. Discounts only apply until you reach your minimum premium, so your discount might be limited by your minimum premium. When we calculate your premium on renewal, we may also limit any increases or decreases by considering factors like your previous year’s premium. This online offer may be withdrawn at any time and is subject to the full terms and conditions.