RACV has the right insurance for your shop and contents

  • Great flexible cover

    So you can get the insurance you want and don’t pay for insurance you don’t need

  • No fuss approach

    In most cases you can secure a quote and cover immediately online or with one phone call

  • Flexible payment options

    Pay by the month by direct debit from a bank account or credit card with no additional charge, or pay annually

Call 13 72 28 to make an enquiry or get a quote

Available Monday to Friday, 8.30am-7.00pm

As a retailer we know your focus is on your customers, finding the right stock, training staff and designing your store. That’s why we have tailored RACV business insurance for retailers to deliver the insurance cover you need for your shop and contents and made it as easy as possible for you to secure.

It’s packed with great features and benefits, is flexible to meet your requirements and means you can get on with what you do best every day knowing your business is backed by the strength and security of RACV.

  • RACV business insurance specifically tailored for retail businesses

    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

  • Protects your buildings, contents and stock for a broad range of incidents

    Including accidental damage, fire, storm, rainwater, explosion, burst pipes, vehicle and tree impacts, vandalism, malicious damage and damage by burglars

  • Seasonal increase for stock

    Includes a 50% increase in stock cover for defined busy periods

  • Stock in transit

    Up to $2000 for any one load of stock lost, destroyed or damaged in transit in Australia caused by a defined incident such as a collision or overturning vehicle

  • Public liability cover to the amount you choose

    Covers your liability for personal injury and property damage

  • Burglary cover

    For your business buildings, contents and stock, up to the sum insured with one automatic reinstatement every year

  • Your business vehicles are covered too

    For accident, fire or theft, with up to $20 million in liability cover for their use including goods falling from your vehicle or during unloading

  • Hire vehicle following theft

    To keep you on the go, up to $100 a day for a hire vehicle for a maximum 14 days (no more than $1000 in total)

  • Glass breakage including skylights, mirrors and neon signs

    Including up to $1000 to reinstate advertising signs and up to $1000 for signwriting, temporary shuttering and repairing damage to window frames and door frames

  • Laptops, mobile phones and computers

    Covered for loss, destruction or damage at your premises, with the option to extend your cover to anywhere in Australia

  • Money, including money on the way to the bank

    Covered up to the sum insured for loss, destruction or damage in a safe or on the way to the bank, and up to $500 for money on your premises but not in a safe

  • Business interruption and additional working costs following an incident

    If an incident prevents or interferes with your business, you are covered for your loss of turnover while it is resolved or the additional working costs needed to maintain your business

  • Your health is your business’s most important asset

    So you are covered for personal accident and illness too - lump sum benefits for accidents or up to 104 weeks of weekly benefits

  • Coffee machines, air conditioners and other machinery

    You can secure cover for machinery breakdown, and also for the hire of temporary machines while yours are being repaired

  • Tax audit costs

    Professional fees incurred as a result a tax audit or investigation are covered

Fact Sheets, Product Disclosure Statements, Premium, Excess, Discounts and Benefit Guides

RACV Business Insurance Product Disclosure Statements

RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after March 2007.

Download

RACV Business Insurance supplementary Product Disclosure Statement (Supplementary PDS) Edition 3.6 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015. This Supplementary PDS replaces previous versions 3.1, 3.2, 3.3, 3.4 & 3.5.

Download

RACV EasyBiz Insurance Retail, Professional, Hospitality Product Disclosure Statement

RACV EasyBiz Insurance Retail, Professional, Hospitality Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after March 2008.

Download

RACV EasyBiz Insurance Retail, Professional, Hospitality supplementary Product Disclosure Statement (Supplementary PDS) Edition 1.5 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3 & 1.4.

Download

RACV EasyBiz Insurance Tradesperson Product Disclosure Statement

RACV EasyBiz Insurance Tradesperson Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after October 2007.

Download

RACV Easybiz Insurance Tradesperson supplementary Product Disclosure Statement (Supplementary PDS) Edition 1.6 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3, 1.4 & 1.5.

Download

RACV EasyBiz@home Business Insurance Product Disclosure Statement

RACV EasyBiz@home Business Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after May 2008.

Download

RACV EasyBiz@home Business Insurance supplementary Product Disclosure Statement (Supplementary PDS) Edition 1.5 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3 & 1.4.

Download


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.