Hardware Store Insurance.
Optimised Protection.
Don’t let unexpected events disrupt your hardware store operations and hit your bottom line. Get tailored cover for your business. Questions? Call us now on 02 9000 1155
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Why Insurance is Key for Hardware Stores
Hardware stores are busy places. Customers browse tools, paint and heavy equipment while employees handle stock and deliveries.
With high foot traffic and potentially hazardous items, such as power tools or chemicals, risks are part of the daily grind. Hardware Store Insurance provides you with financial protection, covering costs from accidents, theft or property damage.
In Australia, where strict regulations and customer expectations are the norm, the right insurance ensures you’re prepared.
The right insurance ensures you’re prepared for accidents, theft, or property damage in a busy retail environment.
Eligibility
Which Businesses Need Hardware Store Insurance?
Hardware store insurance is designed for businesses in the retail DIY and home improvement sector. You likely need it if you:
Own or Lease Retail Premises
Landlords often require a Certificate of Currency for Hardware Store Insurance before you can trade.
Employ Staff
Workers’ Compensation Insurance provides coverage for workplace injuries across Australia.
Sell Products
From paint to power tools, you could face claims if a product causes harm or damage.
Operate Delivery Vehicles
If your store offers delivery, the right insurance is essential for managing risks from accidents or damages.
Stock Valuable Inventory
Timber, tools and equipment are costly to replace if damaged by fire, theft or storms.
RISK ARCHITECTURE
Risks Addressed by Hardware Store Insurance
A comprehensive Hardware Store Insurance policy addresses the unique risks your business faces. Here’s what’s typically covered:
If a customer slips on a wet floor or is injured by a tool, this insurance can cover medical costs and legal fees. For example, a customer breaking an ankle after tripping could lead to a claim.
This can cover repairs or replacements for stock, equipment or your building if damaged by fire, storms or vandalism. A fire in a store with flammable chemicals could be devastating without this cover.
If a product you sell, like paint or a power tool, causes harm, this policy can cover legal and compensation costs even if you didn’t manufacture the item.
This can cover medical bills and lost wages if an employee is injured, such as from lifting heavy stock or using machinery.
If a fire or storm forces your store to close, this policy can cover lost revenue and ongoing expenses (e.g., rent).
Covers damages or injuries caused by your delivery vehicles in work-related accidents.
BUSINESS VALUE
Benefits of Hardware Store Insurance
Investing in Hardware Store Insurance isn’t just about covering risks. It’s about keeping your business thriving. Here’s why it’s worth it:
Financial Protection: Covers costly claims, so you’re not paying out of pocket for accidents or damages.
Customer Trust: Showing you’re insured builds confidence with customers and suppliers.
Compliance: Helps meet operational requirements and landlord demands.
Peace of Mind: Lets you focus on running your store without worrying about unexpected costs.
Tailored Coverage: Policies can be customised to fit your store’s size, location and operations.
Financial Protection: Covers costly claims, so you’re not paying out of pocket for accidents or damages.
Customer Trust: Showing you’re insured builds confidence with customers and suppliers.
Compliance: Helps meet operational requirements and landlord demands.
Peace of Mind: Lets you focus on running your store without worrying about unexpected costs.
Tailored Coverage: Policies can be customised to fit your store’s size, location and operations.
KNOWLEDGE BASE
Frequently asked questions
Get the right cover for your hardware store
Call us on 02 9000 1155 or get a quote online. We'll ask the right questions and find you cover that actually works for your business.