Building & Property Insurance
Protect What You've Built.
Stock, fixtures and equipment represent years of investment. The policy should reflect their real value.
Overview
Shop Insurance
For most retail businesses, stock value moves through the year while insurance is often left unchanged.
We help you review the actual exposure and compare suitable options.
Our Approach
We compare. We explain. We recommend. You decide.
- Understand your requirement
- Shortlist up to 3 suitable options
- Compare coverage and conditions
- Receive a clear recommendation
Coverage Areas
- Shop Premises
- Stock & Inventory
- Furniture, Fixtures & Equipment
- Fire & Allied Perils
- Burglary
- Natural Disaster Risks
Suitable Businesses
Shop Tenants
If you operate from rented premises, the landlord's policy generally protects the landlord's property. Your stock, fixtures, equipment and interiors usually require your own shop insurance.
Common Mistakes
- Choosing the cheapest policy
- Declaring incorrect stock value
- Ignoring equipment and fixtures
- Assuming landlord insurance is enough
- Ignoring burglary conditions
- Assuming all natural disasters are covered
- Not checking exclusions
- Not reviewing after business growth
Your Three Shortlisted Options
Instead of overwhelming you with dozens of policies, we shortlist up to three suitable options and explain how they differ.
Best Overall Fit
The option that appears to match your requirement most closely on coverage, conditions and long-term suitability.
Value-Focused Option
A balanced option where the premium and the coverage offered work well together for your requirement.
Alternative Option
A different structure, insurer or coverage combination worth considering before you decide.
The Policy360 Process
A Smarter Way to Choose Insurance
A structured, seven-step advisory process that ends with your informed decision.
01
Understand
We understand your requirement, profile and risks.
02
Assess
We assess coverage requirements and priorities.
03
Shortlist
We shortlist up to 3 suitable options.
04
Compare
We compare coverage, limits, conditions and premium.
05
Explain
We explain strengths, limitations and exclusions.
06
Recommend
We identify the option that fits best.
07
Decide
The final decision always remains yours.
FAQ
Frequently Asked Questions
Enquire About Shop Insurance
Tell us what you need and our team will get back to you with suitable guidance and up to 3 comparable options.