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
Public & Product Liability
Money & Transit Insurance
Retail Cyber Liability
Business Interruption Insurance
Goods-in-Transit Insurance
Employee Compensation Plan
Trusted By 1500+ Enterprises
Join businesses who’ve made CoverBizz their risk management partner
Storefront Theft & Burglary
₹3,200 cr lost annually to retail crime in India
Product Liability Claims
Rising litigation under Consumer Protection Act for faulty goods
Cyber & POS Breaches
45% of retailers faced payment data breaches in 2024
Supply Chain Delays
30% of orders delayed due to logistics disruptions
Natural Disasters
Floods and storms causing ₹500 cr in retail losses each monsoon season
Property & Stock Insurance
Foundation for store protection
Public & Product Liability
Essential for customer safety
Cyber Liability Insurance
Guard digital transactions
Business Interruption Insurance
Revenue protection during closures
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
Yes- Property & Stock Insurance includes theft, burglary, and internal dishonesty cover for declared stock and cash.
Customer injuries in-store, defective products causing harm, or damage to third-party property.
Absolutely- POS systems are prime targets for malware and skimming attacks, making cyber cover essential.
Yes- BI insurance compensates for lost profits and fixed expenses during closures from covered perils.
Yes- Goods-in-Transit Insurance covers damage or loss from handling, accidents, and theft during movement