Commercial Retail Insurance

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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.

Get quick, tailored, and affordable cover with Provide.

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

shop fire insurance

Commercial property insurance will protect your store premises, business inventory, display windows, and all other shop contents.

Public liability insurance

public liability insurance

Public liability insurance will protect you from liability for injuries/property damage to third parties.

Fidelity guarantee insurance

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 Explanation Importance for retailers
Commercial property insurance $100,000 From $100/year Covers: – Store premises – Inventory – Equipment – All other store contents – Plate glass (e.g. shop windows) Critical
Public liability insurance $100,000 From $100/year 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 $10 million From $100/year per person Covers work-related injuries/sickness, including Covid-19 infections. Critical
Fidelity guarantee insurance $10,000 From $100/year Covers employees stealing money from you. Good to have

Why use Provide for commercial retail insurance?

– Save up to 25% on your premiums for commercial retail insurance
– Compare quotes from multiple insurers
– Industry experts to provide tailored advice
– Available by phone 7 days/week 

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