Retail & Wholesale
Retail & Wholesale
Retail and wholesale businesses operate in fast-paced, customer-focused environments with constant movement of goods, people, and payments. From storefronts and online shops to large distribution centres and trade suppliers, these businesses face risks including theft, stock damage, customer injuries, and supply chain disruptions.
At Angelic Insurance, we provide general advice to help retail and wholesale businesses explore cover options such as public liability, product liability, property insurance, stock and equipment cover, cyber liability, and business interruption. We compare policies from trusted Australian insurers to help ensure your insurance aligns with your location, trading volume, and inventory type.
Whether you're managing a boutique store, running a national wholesale supply chain, or fulfilling ecommerce orders, we support you with coverage options that protect your operation and reputation.
Why Choose Angelic Insurance?
Retail and wholesale operations demand protection that can adapt to daily customer interaction, constant stock movement, and business growth. Here’s how Angelic Insurance supports your success:
Cover for Physical Stores, Warehouses, and Ecommerce
We help compare policies tailored to brick-and-mortar retailers, ecommerce businesses, wholesalers, and hybrid models.
Stock, Inventory, and Equipment Protection
We assist in reviewing cover for valuable inventory, warehouse equipment, shelving, and POS systems ensuring you're protected against theft, fire, or damage.
Public and Product Liability Awareness
From slip-and-fall injuries to product faults, we help you explore liability cover that protects your business from claims involving customers, suppliers, or products.
Cyber Protection for Online Transactions
Retailers and wholesalers using ecommerce platforms or POS systems may be at risk of cyberattacks. Cyber liability insurance helps protect customer data and financial integrity.
Fast Documentation for Landlords, Suppliers, and Licensing
We provide quick Certificates of Currency to help you meet landlord, supplier, or local council requirements.
Industry Challenges
Without appropriate insurance, retail and wholesale businesses can face serious setbacks. Common challenges include:
Customer Injury on Premises
Slips, trips, or accidents in stores or showrooms can lead to legal claims. Public liability insurance helps manage these risks.
Stock Theft, Damage, or Spoilage
Inventory loss due to theft, fire, or refrigeration failure can have a major financial impact. Stock and contents cover helps protect your investment.
Business Interruption from Fire or Flood
A disaster affecting your shop or warehouse can halt trading. Business interruption insurance helps maintain income during repairs or relocation.
Cybersecurity Breaches in Ecommerce
Retailers handling online transactions are targets for data theft and fraud. Cyber liability insurance helps with recovery costs and reputational protection.
Supply Chain Disruptions
If a key supplier fails to deliver, it can affect your operations and contracts. Business interruption and management liability options help reduce your exposure.
Frequently Asked Questions
Coverage includes inventory, property, and liability.
Yes, Stock and Inventory Insurance applies.
Yes, Product Liability Insurance is included.
Yes, Theft Insurance is provided.
Yes, through Workers' Compensation Insurance.
Yes, for customer injuries or property damage.
Yes, Commercial Vehicle Insurance applies.
Angelic Insights
