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Insurance for Retail

We understand that retail is a complicated business, which brings with it a host of unique challenges. With so much at stake, and so many potential risks, you need the right cover to protect yourself, your property, and your income. AA Small Business Insurance can help you unravel those complexities, freeing you to focus on what you do best.

Cover Types

Public and Products Liability Insurance

Cover for your legal liability if property is damaged or someone is injured due to your business activities.

Commercial Vehicle Insurance

Your choice of Comprehensive, Third Party, Fire & Theft or Third Party Only cover.

Business Contents and Stock Insurance

Covers you for loss or damage to your contents and stock which are normally kept at your business premises.

Statutory Liability Insurance

Covers defence costs and fines ordered against you as a result of unintentional breaches of most New Zealand laws.

Employers Liability Insurance

Covers your defence costs and legal liability to pay damages to your employees who suffer a personal injury at, or because of, work.

Back in Business Insurance

Covers those situations when accidental damage prevents your business from operating. There are different levels of cover you can choose from.

Employee Theft Insurance

Covers you for physical theft of money or property (but not computer-based crime).

Equipment Breakdown Insurance

Covers you for damage occurring to refrigeration machinery at your place of business.

Deterioration of Stock Insurance

Covers you for damage to chilled or frozen stock caused by the accidental stoppage, malfunction or damage to refrigeration machinery.

Let's get things sorted

Speak to a Small Business Insurance Consultant

Call us on 0800 500 231

Get a quote onlineRequest a callback

Why Choose AA Small Business Insurance ?


Every business has unique needs and risks; what works for one may be a bad fit for another. AA Small Business Insurance lets you find your insurance sweet spot. 


We believe you have the right to know everything about your own cover. That’s why we’re upfront, honest, and won’t try to sell you a policy you don’t need.


Our packages change to fit your business — not the other way around. Customise your policy and update it as your needs change.