Our tailored insurance solutions protect your valuable stock, staff, and brand, ensuring long-term business resilience and client confidence.
The luxury goods industry operates in a world of high value, brand prestige, and discerning clientele which also means heightened risk. Whether you're selling fine jewellery, designer fashion, collectible timepieces, or high-end homewares, your business must protect against theft, fraud, damage, cyber threats, and liability from in-store or online interactions.
At Angelic Insurance, we provide general advice to help luxury goods retailers, distributors, and designers explore insurance options such as property and contents cover, stock insurance, public liability, cyber liability, and transit insurance. We compare policies from trusted Australian insurers to help ensure your cover reflects your high-value inventory, boutique service model, and international supply chain.
Whether you operate an exclusive storefront, run an ecommerce brand, or supply bespoke goods to clients, we help protect the assets and reputation that define your business.
Protect people, property, and cash flow
Identify and mitigate business risks
Professional guidance from experienced brokers
Meet legal and contractual requirements
Main Problems/Challenges Luxury Goods Industry Face and How We Can Help Solve Them
Luxury goods businesses thrive on exclusivity, quality, and customer trust. Whether you sell fine jewellery, designer fashion, watches, or high-end accessories, your products and reputation are your greatest assets. The right insurance protection helps you manage risks while maintaining your brand’s image of excellence.
Luxury goods are high-value targets for theft both in-store and during transit. A single incident can result in significant financial loss and business disruption.
We provide Theft and Property cover options that help with the cost of replacing stolen stock and repairing damaged property, ensuring your operations recover quickly and securely.
Accidental damage from handling, water leaks, or equipment failure can harm delicate or high-value items, impacting sales and presentation.
We offer Property and Stock cover options that help with repair or replacement costs for damaged goods and displays, protecting your brand presentation and customer experience.
Employee theft, misappropriation, or fraudulent activity can cause serious financial loss and reputational harm in a trust-driven industry.
Our Crime and Fidelity cover options help recover financial losses caused by theft or fraud committed by employees or third parties.
High-value items are exposed to risk during shipping or delivery, including theft, loss, or accidental damage while in transit.
We provide Transit and Marine Cargo cover options that assist with compensation and replacement costs if goods are damaged or lost while being transported locally or internationally.
In-store incidents such as spills, dropped items, or handling accidents can damage customers’ belongings or personal property, leading to claims.
We offer Public Liability cover options that help with repair and compensation costs for accidental damage to customer property within your store.
Customer complaints, product authenticity concerns, or social media criticism can damage your reputation and sales performance.
Our Management Liability and Crisis Management cover options assist with legal defence and public relations support to help protect and restore your brand reputation.
A fire, burst pipe, or electrical fault can damage your premises, stock, and display areas, leading to costly repairs and business interruptions.
We provide Property and Business Interruption cover options that help with repair costs, stock replacement, and income recovery during closure or repairs.
Customers may claim that a product was faulty or caused harm, even if the issue was beyond your control. These claims can be expensive to manage and harmful to your brand.
We offer Product Liability cover options that help with legal defence and settlement costs related to defective or harmful products, ensuring your business stays protected.
Our proven six-step process ensures you get the right coverage at the right price
We review your care model, resident acuity, incidents and claims, compliance findings, staffing mix, and maintenance regimes.
We prepare accurate data and highlight risk improvements already in place.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
You receive a side by side comparison with premiums, deductibles, inclusions, exclusions, and recommendations.
We place cover, issue certificates, and brief your team on notification procedures.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
At Angelic Insurance, we prioritise clarity and honesty. Our communications avoid jargon and "fine print traps," giving clients peace of mind that they fully understand their coverage. This builds credibility, an essential differentiator in a crowded insurance market.
We map your operational risks to specific policy clauses, not just headings.
We benchmark limits and sub-limits against contracts and catastrophe scenarios.
We coordinate valuations, BI worksheets, and claims-readiness plans.
We explain what is and is not covered in clear language and document assumptions.
Hear From Families and Businesses Who Trust Angelic Insurance
Don't just take our word for it, hear from businesses and families. See what businesses and families say about working with us who've chosen Angelic Insurance and shared their own experiences about working with us.