RACV Business Insurance for your shop and contents.

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

  • 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, 8:00am - 8:00pm

  • 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.

  • Theft cover

    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.

  • Glass breakage

    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.

  • Money cover

    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.

Terms, conditions, limits and exclusions apply. Read the Product Disclosure Statement for a detailed list of inclusions and options.

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 6 September 2020.

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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.

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RACV EasyBiz Insurance Retail, Professional, Hospitality product disclosure statements

RACV EasyBiz Insurance Retail, Professional, Hospitality Product Disclosure Statement and Policy Booklet for renewal policies with a start date on or after 30 June 2019.

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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.

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RACV EasyBiz Insurance Tradesperson product disclosure statements

RACV EasyBiz Insurance Tradesperson Product Disclosure Statement and Policy Booklet for renewal policies with a start date on or after 1 December 2018.

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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.

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RACV EasyBiz@home Business Insurance product disclosure statements

RACV EasyBiz@home Business Insurance Product Disclosure Statement and Policy Booklet for renewal policies with a start date on or after 1 December 2018.

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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.

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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.