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 center management companies will ask you to have $20 million and for smaller landlords, they will ask for $10 million.
What about online retailers?
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 house insurance policies will exclude your business activities.
Publicliabilitycomparison.com.au compares public liability insurance for retailers through AIG, Allianz, CGU, Greatchoice, HCi, QBE and Zurich
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At Publicliabilitycomparison.com.au we quote broadform liability cover, this covers your business against claims for personal injury to another person (other than employees) or damage to property owned or controlled by someone else, or advertising liability. Property damage, personal injury or advertising liability which gives rise to legal liability must happen during the period of insurance and be caused by an occurrence in connection with your business activities, Broadform also cover product liability.
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