Retailer’s Pack is designed for small/medium retailers who do not manufacture
or import goods. The policy contains 13 sections that you can tailor to protect
the operations and assets associated with your business.
Examples of businesses who should consider ‘Retailer’s Pack’:
Cover options available under the Retailer’s Pack include**:
Material Damage
Covers your business for damage to property,
including building, business contents and stock (including customers
goods) caused by any sudden, unexpected or unforeseen occurrence not
otherwise excluded.
Business Interruption
Provides cover for consequential loss of income and/or profits
resulting from the interruption of or interference with your business
caused by damage covered under the Material Damage, Theft, Money or
Glass sections.
Theft
Covers theft of insured property (business contents, customers’ goods and stock) contained on your business premises following forced and violent entry. In addition to forced and violent entry, other events include theft by a person concealed in your business premises, and theft following assault or armed hold-up.
Money
Covers loss of or damage to money contained in the building during or outside business hours, while in a locked safe or strongroom, in transit, or in your personal custody while contained in your private residence.
General Property
Covers items such as mobile phones and laptop computers, whether at or away from the premises. Allianz provides you with the choice of accidental damage cover or a cover restricted to collision, overturning of the conveying vehicle and flood.
Glass
Provides protection against accidental breakage
of fixed glass located at the business premises.
Public & Products Liability
Covers amounts your business becomes legally liable to pay as compensation for personal injury and property damage to third parties as a result of an occurrence in connection with your business.
Employee Dishonesty
Covers the loss of money or goods due to the fraudulent or dishonest conduct of an employee, for their own gain or the financial benefit of any other person or organisation.
Machinery Breakdown
Covers your business for damage to electrical, electronic and mechanical machinery insured due to breakdown.
Covers your business for damage to property insured whilst in transit within Australia caused by certain defined events.
Personal Accident & Sickness
If you are interested in personal accident & sickness cover, select the Allianz Business Pack, which provides this cover as an available option.
** This is a summary of benefits only – full details of cover, limits and exclusions available in the relevant Product Disclosure Statement. This insurance is available from Wide Bay Australia Ltd ABN 40 087 652 060 (AFSL: 239686) ("Wide Bay Australia Widecover"). In offering this insurance we act as an agent of Allianz Australia Insurance Ltd ABN 15 000 122 850 (AFSL: 234708) ("Allianz") - not as your agent. Allianz is the underwriter of this insurance. To help you make an informed decision about whether to acquire an Allianz insurance product through Wide Bay Australia Widecover you should read our Wide Bay Australia Financial Services Guide (PDF, 281KB) and the relevant Product Disclosure Statement. We do not provide advice about the policy based on any consideration of your personal objectives, financial situation or needs.To decide if it is right for you please carefully read the relevant Product Disclosure Statement which is available by contacting the Allianz Commercial Insurance Hotline 1300 301 675.
