Insurance for Shop Owners

    • Multiple quotes from some of NZ’s leading insurers
    • Public Liability and Glass Cover
    • Easy online purchase-no paperwork required

Why do Shop Owners need Insurance?

Being a shop owner can be a rewarding experience. You make an honest living, selling products or providing a service that you are passionate about – and your customers love you for it.

Yet with the popularity of online shopping, it’s often harder for many brick-and-mortar stores to turn a profit. Even a short disruption to your business or an equipment breakdown could spell disaster for your store. Your shop also interacts with people every day from customers to suppliers. If an accident were to occur, a single claim against you could force you to shut-up shop.

Insurance is there to protect you and your shop in such situations. With the appropriate insurance in place, you can help to safeguard your shop from the financial and reputational damage a claim can cause.

So whether you make the best pies in town, sell the snazziest suits, or put together beautiful floral arrangements, business insurance is something every shop owner needs to consider.

Did you Know?

Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a requirement that your landlord is noted as an interested party on the insurance policy.

Insurance for Shop Owners

Some popular insurance options for New Zealand shop owners include:

Public Liability*

As a shop you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

Shops can be chock-full of hazards, including displays for people to trip over, steps to stumble on, fixtures with exposed edges waiting to scratch, poorly balanced stock that could fall and bump someone, or even slippery floors that could cause someone to take a nasty spill. Would you be able to cover the costs of an ensuing legal claim?

You have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance gives you peace of mind, protecting you and your business against such claims by providing compensation for property damage, and personal injury or death in circumstances that are not covered by the Accident Compensation Commission (ACC). It also covers any legal defence costs you incur as a result of defending yourself.

What is typically covered?

  • Compensation for accidental damage to third party property
  • Compensation for personal injury or death to third parties where the ACC does not provide cover
  • Legal and defence costs

What is typically NOT covered?

  • Injury to your employees
  • Damage to your own property
  • Loss of your stock
  • Compensation for personal injury where cover is provided by the ACC
  • Known claims and circumstances

Protect your business today.

Business Insurance*

From printers to pencils, it all adds up and costs you time and money to replace. So, it makes perfect sense to protect the things needed to make your shop run smoothly every day.

Business Insurance is designed to safeguard your contents, stock and other assets against unexpected events, like fire, storm, theft and accidental damage. The type of cover and the amount you need will depend on the nature of your business and the various risks it faces – a tradesman or a tax agent, you can tailor a policy to suit your own business needs.

And for a full comprehensive protection plan, Business Interruption cover can help ensure you still have a shop when the odds are stacked against you by covering your lost profit if you need to temporarily close your doors due to an event covered under your policy.

What it typically covers?

  • Material damage loss for your physical assets
  • Financial loss due to Business Interruption

What is typically NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Known claims and circumstances

Cyber Liability insurance*

As a shop owner, it is likely that you have a database of sensitive customer information, including names, phone numbers, addresses, and even financial details such as credit card details or potentially bank details. You collect this information because you need it to deliver your customers the best service that you can. But have you ever considered what would happen if this information were to be compromised? Your business activities could grind to a halt until the issue was resolved. Your reputation would suffer, and your customers might even sue you.

That’s where Cyber Liability insurance can come in handy. It is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are unintended loss or release of customer personal information, cyber-crime, cyber extortion, ransomware and business interruption due to a cyber event. You also have the option to add cover for Social Engineering, Phishing or Cyber Fraud.

How much does Insurance for Shop Owners cost?

No matter if you sell fishing tackle or lollipops, no two shops are the same. That’s why there isn’t a stock-standard price of business insurance for shop owners. When calculating the price of your policy, there are a variety of factors which are taken into consideration.

Some of these may include:

  • The size of your business
  • How many staff you have?
  • The type of shop you are running
  • The type of coverage you take out
  • Your excess
  • The level of cover
  • Your claims history
  • Your shop’s location

Why choose BizCover for your shop insurance?

Built for NZ small businesses

We know insurance and what makes small businesses tick. We cover over 10,000 SMEs in NZ… and counting.

Clear and competitive pricing

You can compare and choose from a range of competitive prices right there on your screen.  Seriously.

We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English.

Protect your business today.

Need to make a claim?

If you need to make a claim, don’t stress! We’re here to help you through the process and get you back to business.

Simply download, complete the Claim Notification Form and return to

We’ll manage the process with the insurer for you, whilst our dedicated claims consultants keep you informed every step of the way.

Alternatively, if you would like to contact us by phone, our customer service team are here to help you on Ph. 0508 249 268

Things to consider

Does your business provide professional services and advice?

In addition to providing your customers with products, if you provide professional advice or services you may want to consider Professional Indemnity insurance*.

Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice.  It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.

* This information is a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

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Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 


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