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About RACV Business Insurance for retailers
As a retailer we know your focus is on your customers, finding the right stock, training staff and designing your store. That’s why RACV Business Insurance allows retailers to choose the cover options they want for their shop and contents.
Great flexible cover
So you can choose the insurance you want and don’t pay for insurance you don’t need.
No fuss approach
In most cases you can apply for a quote and cover online or with one phone call.
Monthly and annual payment options available.
Call 13 72 28 to make an enquiry or get a quote
Available Monday to Friday, 8:00am - 7:00pm
What can be covered
You can tailor RACV Business Insurance options for your retail business
Covers art and craft shops, florists, gift shops, milk bars, hair and beauty salons, pet shops, butchers, bakeries, glassware, health foods, clothing stores and more.
Can protect your buildings, contents and stock for a broad range of incidents
Including for some accidental damage, fire, storm, rainwater, explosion, burst pipes, vehicle and tree impacts, vandalism, malicious damage and damage by theft.
Seasonal increase for insured stock
Includes a 50% increase in stock cover for defined busy periods.
Stock in transit
Up to $50,000 or 20% of the relevant sum insured you select, whichever is the lesser, for stock destroyed or damaged in transit in Australia caused by fire, wind, impact, collision or overturning of the conveying vehicle.
Public liability cover to the amount you choose
Can cover your liability for personal injury and property damage for covered events.
Can cover your insured buildings, contents and stock up to the sum insured with one automatic reinstatement every year, subject to payment of the applicable premium.
Your business vehicles can be covered
For accident, fire or theft, with up to $35 million in liability cover if they cause property damage or bodily injury to others, including damage caused by the goods falling from your vehicle or during unloading.
A hire vehicle following a covered fire or theft of your vehicle
Up to $3,000 in total for hiring a replacement vehicle of similar make and model or carrying capacity if you choose cover for Commercial Motor Vehicles.
If glass cover is taken out, it automatically includes cover to any sign writing or ornamentation affixed to broken external glass up to $7,500.
Laptops, mobile phones and computers
Option to include cover for physical loss, destruction or damage at your property (except by fire or specified perils), with the option to extend cover for their temporary removal to anywhere in Australia.
Available for money in transit, on premises and in a private residence. There is also a 50% seasonal increase 60 days before Christmas Day and 21 days following Christmas Day.
Business interruption and additional working costs following an incident
If a covered incident interrupts or interferes with your business, your loss of profit or additional working costs needed to maintain your business may be covered.
Your health is your business’s most important asset
So you can add cover for personal accident and illness - lump sum benefits for covered injuries or illnesses or up to 104 weeks of weekly benefits while unable to do the normal duties of your job due to injury or illness.
Coffee machines, air conditioners and other machinery
You can include cover for your machinery for sudden and unforeseen breakdown, and also for the hire of temporary machines while yours are being repaired.
Tax audit costs
Cover for professional fees incurred as a result of a tax audit or investigation, subject to meeting the requirements of the PDS, can be included.
RACV Business Insurance Supplementary Product Disclosure Statement (Supplementary PDS) Edition 03/21 will apply to policies with a commencement date or with renewal effective date on or after 31 March 2021.
RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after 1 December 2018 and new business and renewal policies with a start date before 6 September 2020.
RACV Easybiz Insurance Retail, Professional, Hospitality Supplementary Product Disclosure Statement (Supplementary PDS) Edition 10/20 will apply to policies with a commencement date or with renewal effective date on or after 17 October 2020.
RACV Easybiz Insurance Tradesperson supplementary Product Disclosure Statement (Supplementary PDS) Edition 11/18 will apply to policies with a commencement date or with renewal effective date on or after 1 December 2018. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3, 1.4 & 1.5 & 1.6.
RACV EasyBiz@home Business Insurance supplementary Product Disclosure Statement (Supplementary PDS) Edition 11/18 will apply to policies with a commencement date or with renewal effective date on or after 1 December 2018. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3 & 1.4 & 1.5.
RACV Business Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement.