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Commercial retail insurance for shops and online stores.
Whether you run a physical shop or an online e-commerce store, you’ll need retail insurance to protect your business. Commercial retail insurance from Provide starts with property insurance, so that your premises and inventory are well-protected. You’ll also want to cover yourself against staff injuries and Covid-19 infections, public liability, and employee theft. If you ship goods, consider protecting them with shipping insurance.
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What types of insurance do retailers need?
| Cover | Explanation | Importance for retailers |
| Commercial property insurance |
Covers:
– Store premises – Inventory – Equipment – All other store contents |
Critical |
| Public liability insurance | Covers liability if customers get injured in your store. Covers liability if you damage other people’s property (e.g. during renovations/repair work). |
Critical |
| Work injury compensation insurance (WICA insurance) | Covers work-related injuries/sickness, including Covid-19 infections. | Critical |
| Fidelity guarantee insurance | Covers employees stealing money from you. | Good to have |
| Cyber insurance | Covers hacker attacks, liability from PDPA/data breaches, corrupted systems, and more. | Critical for online retail stores/ e-commerce businesses |
Commercial property insurance
Commercial property insurance will protect your store premises, business inventory, display windows, and all other shop contents.
Public liability insurance
Public liability insurance will protect you from liability for injuries/property damage to third parties.
Fidelity guarantee insurance
Fidelity guarantee insurance will protect you from employees stealing from your business.
How much does commercial retail insurance cost?
| Cover | Coverage amount (example) | Typical premium |
| Commercial property insurance | $100,000 | From $100/year |
| Public liability insurance | $100,000 | From $100/year |
| Work injury compensation insurance | $10 million | From $100/year per person |
| Fidelity guarantee insurance | $10,000 | From $100/year |