Retail Insurance

GIO offers specialised products for retail businesses, including shops, online businesses and mobile retailers. GIO products are flexible, allowing you to customise your cover to match your needs.

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What is Retail Insurance?

Retail Insurance is specialised cover to suit the needs of small shops and retail businesses. With GIO Retail Business Protect you can select cover for public and products liability, theft, property damage, and many other insurance types. Whether you’re located in a shop or selling direct to customers, GIO Retail Business Protect can ensure your business has cover for insured events.

You're in control

GIO Retail Business Protect is designed for retail businesses ranging from restaurants to small specialty stores selling bridalware or the corner milk bar.

With the ability to tailor the retail business insurance package by selecting covers to suit your retail business, this offering from GIO will help ensure you have peace of mind that your retail business is better protected.

Benefits include:

  • an easy claims lodgement process, and
  • the ability to pay monthly to assist with your cash flow.

What does Retail Insurance cover?

GIO Retail Business Protect has a range of covers to suit your retail business needs.

Public and products liability

Cover for your legal liability for personal injury, damage to third party property, and/or advertising liability if it occurred in connection with your business. So, if a customer slips in your store, or is harmed by a product you sell, this can help cover the resulting costs.

Property damage

Cover for your building, business contents, stock or specified items, if they’re damaged by events like fire, storm (excluding flood), impact, lightning, explosion and earthquake. Also included is the cost of removing debris, and rewriting of records.

Business interruption

Cover for reduction in turnover or revenue if your business is interrupted due to an insured event such as fire, burglary or storm damage. Reasonable claims preparation costs and increased cost of working are included as extra covers.

Other coverage types include:

Who is Retail Insurance for?

Food and beverage retailers

    Including convenience stores, butcher shops, fruit and vegetable shops, bakeries, health food stores, delicatessens and bottle shops.

Sporting and lifestyle retailers

    Including camping goods stores, golfing equipment stores, fishing stores, surf/ski and skateboard retailers, and bike shops.

General retailers

    Including clothing stores, book stores, toy shops and more.

Can’t see the business you’re looking for?

Don’t worry, we can still help you.

After entering your details, our application will determine a range of covers that may suit your business.

Get a personalised quote

OR call 1800 036 837

Covers we offer

Flexible cover to suit your needs

GIO Retail Business Protect

For businesses operating from a commercial premise

If you are operating shops, convenience stores or selling direct to customers, GIO Retail Business Protect offers a broad range of cover to tailer to your needs.

Public and products liability cover with limits up to $20 million

Easily get a tailored Retail Business Insurance quote

After entering your details, our application will determine a range of covers that are available for your business.

Get a personalised quote

Frequently asked questions
for Retail Insurance

More Business Insurance FAQs


Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO.Information provided is general advice only and doesn’t take into account your particular objectives, financial situation or needs. Conditions, exclusions and limits apply. Consider the relevant Product Disclosure Statement before making a decision about this insurance.

Speak to a GIO Business Insurance consultant on 13 10 10 (8am-7pm AEST/AEDT, Mon-Fri).

Our knowledgeable, Australian-based call centre team are passionate about Business Insurance. We’re ready to answer your questions about our products and services. We can also assist you with purchasing or renewing a policy, updating your details and more.

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