If you’re a retailer of clothes, food or homewares if you have interaction with the public you’re going to need public liability. Most of the larger shopping centre management companies will ask you to have $20 million and for smaller landlords, they will ask for $10 million.

What if you’re an online retailer?

Even if you don’t directly interact with your customers you should consider product liability and if you people coming to pick up the goods check with your building insurer to see if you are covered as most home policy will exclude your business activities.

Publicliabilitycomparison.com.au compares public liability insurance for retailers through AIG, Allianz, Calibre, CGU, QBE and Zurich

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