Who should use this form?
Professional carriers or transport operators responsible for customers’ goods in transit.
Who should not use this form
Businesses sending their own goods.
Quote Form
Retail Shop Insurance
Retail shop landlord insurance is there to protect your building should the unexpected strike. Retail premises come up against all kinds of risks such as fire, storm damage, vandalism and liability incidents. The impact of this can be felt far and wide, whether that’s costly repairs or disruption to rental income.
This type of cover applies to retail shops, shopping centre tenancies and mixed-use commercial spaces leased to businesses. The focus is always clear; protecting the building structure, landlord liability, and rental income so there’s one less thing to worry about.
Get a QuoteRetail Shop Insurance is the Protection You Need
Unexpected damage to a retail property interrupts tenancy and places greater financial pressure on landlords. Our retail shop landlord insurance understands this, helping to protect the building and soften the impact of insured events.
- Safeguard the retail building against insured damage such as fire, storm, or malicious acts
- Provides landlord liability cover if injury or third-party damage occurs on the property
- Maintains rental income if the premises becomes uninhabitable after an insured event
- Covers structural features such as shopfront glass, walls, roofing, and fixed fittings
- Provides greater certainty for commercial property investors and landlords
How Can Commercial Landlord Owners Insurance CLOI Benefit You?
As a landlord, unexpected incidents like these can lead to costly repairs, loss of rental income, or even legal expenses if someone is injured on your property. Commercial Landlord Insurance helps cover these risks, keeping your property, income, and peace of mind protected.
At CLOI, it’s all about giving you the support you need so you can focus on what matters most—your business.
With our Commercial Property Landlord Insurance, you’ll have the trusted protection and support you need to keep your property safe and sound. Let us handle the details, so you can focus on growing your investment.
CLOI is brought to you by CGIB, your trusted insurance partner.
Start Your Quote Call 1300 764 244Some Of Our Partners
How the Application Process Works
Arranging retail shop landlord insurance needs a step-by-step approach. It involves assessing the property, understanding tenancy arrangements, and selecting cover that reflects how the building is used.
Step 1
Submit property details through an online quote request or consultation.
Step 2
Provide information about the retail building, including size, location, and tenant use.
Step 3
Conduct a risk assessment based on construction type, exposure, and occupancy.
Step 4
Compare quotes from insurers offering commercial property cover.
Step 5
Select suitable coverage options and optional extensions such as loss of rent or liability.
Step 6
Finalise the policy and arrange payment so cover is active.
See What Other Retailers Say
Commercial property owners share how retail shop landlord insurance supported them when they needed it most.
What Does Retail Shop Insurance Cover?
Retail shop landlord insurance supports property owners when insured events affect the building, its structure, or the income it generates. It typically includes:
- Fire and smoke damage: Protection for the retail premises if damaged by fire or related incidents.
- Storm and water damage: Cover for structural damage caused by severe weather or sudden water-related events.
- Vandalism and malicious damage: Protection against intentional damage to the building.
- Glass and shopfront damage: Cover for external windows, signage glass, and fixed shopfront features.
- Landlord liability: Protection if a customer, visitor, or contractor is injured on the property.
- Loss of rental income: Support if the premises becomes uninhabitable due to an insured event and rent cannot be collected.
- Accidental damage to the building: Cover for unexpected damage to structural elements.
Additional Protections:
Options may include business interruption cover when trading cannot continue after insured damage, money cover for cash theft and protection for portable equipment. Real-world examples:
- Break-in: A shopfront window is smashed overnight.
- Customer injury: A visitor slips on a wet floor and makes a claim.
- Fire damage: Electrical faults damage shelving and stored goods.
What Isn’t Covered in Your Policy
Not everything is covered with your retail shop landlord insurance. Just like any policy type, you need to be aware of what’s included and what isn’t. Policies generally do not cover tenant-owned stock, equipment, or retail goods.
Damage caused by poor maintenance, gradual deterioration such as wear and tear, or pre-existing structural issues is also excluded. Certain natural disasters may fall outside cover unless specifically included in the policy.
Factors That Shape Policy Cost
Pricing for retail shop insurance hinges on several key factors, factors that impact the final premium. With retail business insurance, price may be affected by:
- Replacement value of the retail property
- Location and exposure to risks such as fire, flood, or storm
- Construction type and building age
- Type of tenant occupying the premises
- Security features and overall risk exposure
- Claims history
- Coverage limits and optional extensions selected
At CLOI, our team will highlight how these factors influence pricing and support you when requesting your retail shop insurance quote. They’re there to compare options for a clearer view of the expected costs.
Start Your Quote Chat With Our TeamCoverage Areas for Retail Businesses
Retail shop landlord insurance is available across Australia for properties in both metropolitan and regional areas. Cover can be arranged for standalone shops, shopping centre tenancies, and mixed-use commercial buildings.
Coverage terms and premiums may vary depending on state regulations, local risks, and environmental exposure such as flood or storm-prone areas. A CGIB broker can guide you through these considerations.
Frequently Asked Questions
What types of retail properties should landlords insure?
Retail shops, shopping centre tenancies, and mixed-use commercial properties leased to businesses should be insured to protect the building and rental income. We often get landlords that assume that if their tenants have insurance, it also covers the building and them, but this is not the case.
Does retail shop landlord insurance cover loss of rent if the building is damaged?
Yes, loss of rental income is typically included or available as an option if the property becomes uninhabitable due to an insured event.
What factors influence the cost of retail shop landlord insurance?
Costs depend on building value, location, construction type, tenant risk, security features, and claims history.
Does this insurance cover tenant stock or retail goods?
No. Retail shop landlord insurance protects the building and landlord risks, not tenant-owned stock or business assets.
How does the claims process work if the retail building is damaged?
Landlords report the incident, provide supporting documentation such as photos and repair estimates, and the insurer assesses the claim. A broker can assist throughout the process.
Can retail property landlords customise their insurance policy?
Yes. Policies can be tailored with options such as landlord liability, loss of rental income, and accidental damage to reflect the risks associated with the property.
Keep Up To Date On News And Insights From The Blog
Providing you with great insurance products to protect what’s most important to you is a given. But we also believe in keeping you up to date with the day to day risks that businesses face. Check out our blog for the latest.
Speak to a Broker Who Understands Retail Risks
Owning a retail property comes with risks that impact your building and rental income. You often can’t avoid them, and the right protection means managing them with complete confidence.
Partnering with a broker gives you access to tailored advice, multiple insurer options, and cover that reflects your property and tenancy. At CLOI, our team can help you arrange retail shop landlord insurance that suits your needs.
Just complete the online form or contact us on 1300 764 244 for clear advice on arranging reliable cover.
Marine Cargo & transit Quote Forms
Who should use this form?
Businesses sending, importing, or exporting their own goods. Covers loss or damage during transit.
Who should not use this form?
Carriers transporting others’ goods.
Quote Form
Quote Form
Who should use this form?
Businesses or individuals needing cover for a single shipment or occasional transit.
Who should not use this form?
Regularly sending goods—use the Annual Marine Cargo & Transit form.
Please note: We are unable to arrange insurance for one-off transits that involve carrying goods belonging to others please use the Annual Carriers Form
Who should use this form?
Existing policyholders renewing their annual Marine & Transit Insurance.
Who should not use this form?
New applicants or one-off shipments.
Renewal Form
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