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You take care of your customers; we’ll take care of your insurance

BizCover is proud to be the preferred business insurance partner of Retail NZ.

As part of our partnership, we’re offering Retail NZ Members the opportunity to get $25 off* the base premium price of any new business insurance policy (excluding business insurance package policies).

Simply enter NZRET19 in the promotion code field to take advantage of this great offer.

Compare cover for your retail business

Running a retail store can be a complicated business, with no two days ever the same and challenges that range from generating sales online to managing your stock levels to cater to customer demand.

Regardless if you own a gift store or a bakery, there is always the potential for something to go wrong.

Having the appropriate insurances in place to protect your retail store is a smart move and can help you minimise the risk that your business is exposed to.

Find out more about the range of insurance options for retailers below: 

Business Insurance*

Business Insurance** is an insurance package designed to provide cover for your retail business’ contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.

Public Liability

Public Liability insurance** is designed to provide protection for your retail business in the event a customer, supplier or a member of the public are injured (when not covered by the ACC) or sustain property damage as a result of the insured’s negligent business activities.

Statutory Liability

Statutory Liability** insurance protects you, your retail business and your employees against certain inadvertent breaches of some New Zealand laws (not criminal laws though). It will also cover the costs of representation related to investigation costs for alleged breaches, as well as defence costs, and fines or penalties payable following a conviction.

Employers Liability

Employers Liability** insurance protects you against settlements or damages, including defence costs, as a result of an employee suffering bodily injury arising out of their employment (where the Accident Compensation Commission (ACC) does not provide cover (such as gradual impairment injuries)).

Cyber Liability  

Cyber Liability** insurance is designed to help protect your retail store and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered.

Alternatively, if you prefer to speak to somebody the old fashioned way you can contact our friendly business insurance specialists on 0508 249 268 Monday to Friday 8am to 8pm. 

*The discount only applies if you purchase a new business insurance policy with AIG or DUAL, excluding business insurance package policies. Cannot be used in conjunction with any other offer.
** 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.  Before deciding to purchase a new insurance policy, which is a financial product, you should read the insurer’s policy wording (available on our website) and determine whether you wish to obtain financial advice