Our tailored insurance solutions protect your stock, staff, and premises, ensuring operational continuity and financial security in a competitive marketplace.
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.
Protect people, property, and cash flow
Identify and mitigate business risks
Professional guidance from experienced brokers
Meet legal and contractual requirements
Main Problems/Challenges Retail & Wholesale Industry Face and How We Can Help Solve Them
Retailers and wholesalers play a vital role in keeping products moving from supplier to customer. From theft and stock damage to supply chain issues and staff injuries, the right protection helps you stay open, compliant, and financially secure.
Retail stores and warehouses are common targets for theft, leading to loss of stock and unexpected replacement costs.
We provide Theft and Property cover options that help with the cost of replacing stolen goods and repairing damage caused during theft or attempted break-ins.
Unforeseen events such as fires, floods, or severe storms can damage your premises, stock, and equipment, leading to long business interruptions.
We offer Property and Business Interruption cover options that assist with repairs, stock replacement, and lost income while your business recovers.
Slips, trips, or falls can occur in busy retail areas or warehouses, leading to costly compensation claims and reputational damage.
We provide Public Liability cover options that help with legal and compensation costs if a customer or visitor is injured on your premises.
Delays or disruptions in supply chains can cause stock shortages, missed orders, and lost revenue, especially for time-sensitive products.
We offer Supply Chain and Business Continuity cover options that help offset losses and keep your business operational during supplier disruptions.
Perishable items, fragile goods, or bulk inventory can be damaged by temperature changes, handling errors, or equipment failure.
Our Stock and Goods cover options help with the cost of replacing or repairing damaged goods, ensuring your inventory and cash flow remain stable.
Handling heavy stock, operating machinery, or working long hours can lead to workplace injuries and compensation claims.
We provide Workers Compensation and Management Liability cover options that assist with medical, wage, and rehabilitation costs while supporting compliance with workplace safety regulations.
Retail and wholesale businesses store payment and customer data, making them targets for cyberattacks or accidental data leaks.
We offer Cyber and Privacy Liability cover options that help manage investigation, recovery, and notification costs following a cyber or privacy incident.
If a product you sell causes injury or damage, your business could face legal claims and compensation costs, even if you were not the manufacturer.
We provide Product Liability cover options that help with defence and settlement costs arising from claims involving faulty or harmful products.
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.