🛍️Retail & Other

Public Liability Insurance for Retail Shops

Retail shops face customer injury risks from slip hazards, product defects, and property damage. Our retail insurance covers slip and fall claims, product liability, and third-party injury in your shop.

✅ ICNZ Fair Code🔒 Licensed NZ Brokers💰 From $500💡 Free Expert Advice✓ No Obligation

✅ What's Covered for Retail Shops in NZ

Slip and fall injury compensation

Falling merchandise injury liability

Product defect injury claims

Property damage in shop

Legal costs for defending claims

Equipment-related injury

Emergency medical response

Typical NZ Premium

$500 – $1,100/year

Cover limits: $1M or $2M

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⚠️ Key Risks Facing Retail Shops in NZ

Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by retail shops in New Zealand:

01Customer slip and fall from wet floors

02Injury from falling merchandise or shelving

03Product defect causing injury

04Injury to customer or staff from equipment

05Property damage to customer belongings

06Trip hazard from poor layout

07Injury from unstable display

08Allergic reaction to products

Frequently Asked Questions

If a customer slips on a wet floor, am I liable?

Yes, if you failed to clean the spill promptly or warn of the hazard. Use wet floor signs and clean up spills quickly. Insurance covers the injury claim.

What if a shelf falls and injures a customer?

You're liable if shelving was improperly installed or maintained. Public liability covers the injury claim. Maintain shelves and ensure proper installation.

Does the cover include product liability?

Public liability covers injury from defective products you sell. If the defect causes injury, insurance covers the claim. Keep product records and safety info.

Am I covered for customer property damage in my shop?

If damage is caused by your negligence (e.g., product falling on customer bag), you're liable. Insurance covers the claim.