- Home
- PRODUCTS
- INDUSTRIES
- Gems & Jewellery Industry
- Banking And Fintech Industry
- Construction And Contractors Industry
- Direct To Consumer Brands Industry
- E-Commerce And Digital Retail Industry
- Healthcare And Life Sciences Industry
- Logistics And Warehousing Industry
- Manufacturing And Industrial Industry
- Media And Creative Industries Industry
- Retail And Consumer Goods Industry
- Startups And Scale-ups Industry
- Technology And EdTech Industry
- Contact Us
Retail & Consumer Goods Industry
Shopfloor Protection for India’s Retail Revolution
“From storefront to supply chain, retailers and consumer brands face unique risks at every touchpoint. Our tailored insurance solutions protect your stores, inventory, and customer promises—so you can focus on growth and delight.
Retail & Consumer Goods Industry
Insurance Products
Property & Stock Insurance
Safeguard your assets
Covers store premises, fixtures, fittings, and inventory against fire, burglary, and natural perils with business interruption support
Explore
Public & Product Liability
Protect your customers
Covers third-party bodily injury and property damage from product defects or on-premises accidents under Consumer Protection Act 2019
Explore
Money & Transit Insurance
Secure your cash flow
Covers cash in safe, transit, and POS transactions against theft, robbery, and infidelity
Explore
Retail Cyber Liability
Guard your payments
Covers POS breaches, data theft, business interruption, and regulatory fines under IT Act 2000 and PCI DSS standards
Explore
Business Interruption Insurance
Keep tills ringing
Compensates for lost income and operating expenses when retailers close due to fire, flood, or other covered perils
Explore
Goods-in-Transit Insurance
Protect your deliveries
Covers supplier shipments and customer deliveries against loading/unloading damage, collision, and theft across India
Explore
Employee Compensation Plan
Care for your staff
Provides medical expenses, disability benefits, and compensation for workplace injuries under the Employees’ Compensation Act
Explore
Trusted By 1500+ Enterprises
Join businesses who’ve made CoverBizz their risk management partner
01
Storefront Theft & Burglary
₹3,200 cr lost annually to retail crime in India
02
Product Liability Claims
Rising litigation under Consumer Protection Act for faulty goods
03
Cyber & POS Breaches
45% of retailers faced payment data breaches in 2024
04
Supply Chain Delays
30% of orders delayed due to logistics disruptions
05
Natural Disasters
Floods and storms causing ₹500 cr in retail losses each monsoon season
←
→
01
Property & Stock Insurance
Foundation for store protection
02
Public & Product Liability
Essential for customer safety
03
Cyber Liability Insurance
Guard digital transactions
04
Business Interruption Insurance
Revenue protection during closures
05
Goods-in-Transit Insurance
Secure supply lines
←
→
Covered Stakeholders
Store Owners & Franchisors
Premises and stock liability
Employees & Cashiers
Workplace injury compensation
Customers & Visitors
Public liability protection
Supply Chain Partners
Transit and warehousing coverage
IT & Security Teams
Cyber liability protection
Management & Directors
D&O liability and corporate risk
Inclusions & Exclusions
Inclusions
Fire & Natural Perils
Coverage for fire, flood, earthquake, storm damage
Theft & Burglary
Store break-ins, shoplifting, and employee dishonesty
Product Liability
Consumer injury or damage from sold goods
Cyber Events
POS hacks, data breaches, and business interruption
Transit Damage
Protection during loading/unloading and transit
Exclusions
Wear & Tear
Normal depreciation of fixtures and equipment
Improper Packaging
Damage from inadequate packing of goods
War & Terrorism
Excludes state-sponsored or large-scale violent acts
Intentional Acts
Deliberate or fraudulent activities by insured
Consequential Losses
Indirect losses beyond specified BI limits
Insights & Resources
Guide
Retail Risk Management Playbook 2025
Strategies for loss prevention and compliance.
Blog
5 Common POS Security Myths Debunked
Keep customer data safe.
Report
India’s Retail Insurance Outlook
Analysis of coverage gaps in the ₹15 L cr retail market.
Why Get Insured
Why Retail & Consumer Goods Brands Need Insurance
Mall Fire Recovery
Major retail chain reopened within 48 hours after fire damage, thanks to BI cover.
Customer Slip & Fall
Boutique settled ₹5 lakh liability claim promptly under product/public liability.
POS Data Breach
Fashion retailer recouped ₹20 lakh in remediation costs and fines under cyber policy.
Transit Damage
Electronics distributor covered ₹50 lakh loss from warehouse fire during storage.
❮
❯
Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
Does insurance cover shoplifting and employee theft?
Yes- Property & Stock Insurance includes theft, burglary, and internal dishonesty cover for declared stock and cash.
What triggers Public & Product Liability claims?
Customer injuries in-store, defective products causing harm, or damage to third-party property.
Is Cyber Liability necessary for in-store POS systems?
Absolutely- POS systems are prime targets for malware and skimming attacks, making cyber cover essential.
Can Business Interruption cover extended store closures?
Yes- BI insurance compensates for lost profits and fixed expenses during closures from covered perils.
Are transit losses covered if goods are damaged en route?
Yes- Goods-in-Transit Insurance covers damage or loss from handling, accidents, and theft during movement
Customers Says..
“We had a stock damage incident after a water tank leakage. CoverBizz helped us structure the claim file properly and avoided unnecessary back-and-forth.”
Riya Gupta Delhi
“Our previous policy undervalued peak-season inventory. CoverBizz flagged underinsurance risk and corrected limits before renewal.”
Nitin Bansal Noida (NCR)
“We needed one policy setup across multiple stores. CoverBizz consolidated locations and made endorsements painless when new outlets opened.”