Hardware Store Insurance
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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Sector Focus
24h
Typical Turnaround
Direct
Broker Access
Recognition
Access to Australia's leading insurers and underwriting agencies, including:
Professional Risk
Hardware stores are busy places. Customers browse tools and heavy equipment while employees handle stock. With high foot traffic, risks are part of the daily grind.
Daily Exposure
Hazardous items like power tools and chemicals present constant liability risks. Hardware Store Insurance provides financial protection, covering costs from accidents, theft, or property damage.
Compliance & Trust
In Australia, where strict regulations are the norm, the right insurance ensures you're prepared. It meets operational requirements and builds confidence with customers and suppliers.
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 Premises
Landlords often require a Certificate of Currency before you can trade.
Employ Staff
Workers' Compensation is essential for covering workplace injuries.
Sell Products
You face claims if a product you sell causes harm or damage.
Operate Delivery Vehicles
Manage risks from accidents or damages during transit.
Stock Valuable Inventory
Protect timber, tools and equipment from 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.