AMI has been protecting New Zealanders for almost 100 years. Over 700,000 people trust us to be on their side and protect the things they love. We’re proud to be recognised as one of New Zealand’s most trusted brands and for our commitment to outstanding customer service.
Small retail shops come in all shapes and sizes, and so do our cover options. Choose from our AMI Shop Insurance Bundle; an all-in-one easy and affordable starter package, that we can help you customise and build-on to suit your needs and unique shop.
Or simply pick and choose individual cover options.
Cover from just $32.50* per week for your shop, your stock and more with this all-in-one package.
*Exclusions apply
Covers contents, stock and equipment at your premises against accidental loss or damage that occurs at your premises.
Covers you for legal liability for accidental injury to a person and damage to someone else’s property as a result of your business activities.
Covers your legal liability if your employees are injured and it’s not covered by ACC.
We now offer Cyber Insurance to cover your business in the event of a cyber-attack or incident.
Can’t see what you like? See all our insurance types
We took the hassle and guess work out of figuring out what insurance you need and how much, by creating a simple and affordable solution - AMI Shop Insurance Bundle.
This bundle can be tailored to cover your store, your stock, you and your staff for ‘oops moments’.
starting from $32.50 *per week
This bundle includes:
Business Assets (Material Damage) - up to $150,000 sum insured
Covers contents, stock and equipment at your premises against accidental loss or damage that occurs at your premises.
Liability - up to $2million cover
Covers you for legal liability for accidental injury to a person and damage to someone else’s property as a result of your business activities.
Employer's Liability - up to $500,000 cover
Covers your legal liability if your employees are injured and it’s not covered by ACC.
Statutory Liability - up to $500,000 cover
Covers legal defence costs and certain fines if you accidentally breach legislation and are prosecuted.
Business Interruption - up to $150,000 cover
Covers you for loss of insured profits and revenue if you're unable to trade following loss or damage, covered by your Business Assets (material damage) policy.
*AMI Shop Insurance Bundle starts from $32.50 per week including GST for small retail trade businesses. Package payment can be made monthly or annually. Pricing is conditional on previous legal and claims history, occupational and location risks are considered, and regional differences may apply. Pricing does not include other government levies. Policy, exclusions, conditions and limitations apply. Add on Theft Cover, Natural Disaster Cover, Business Interruption Cover or other Business Insurance options as required.
Get started with an online quote or call an AMI Business Specialist
Alarms can protect your assets after hours and make things safer for your staff. They’re a great vandal-deterrant and also ensure a rapid response if triggered.
If you store valuable items in a safe, choose a quality, leading-brand safe that meets CEN European standards and has UL Rated locks. Attach it with bolts to the building.
Automatic fire sprinklers are the best protection against the risk of fire and will help you reduce damage to assets or stock.
Are you doing everything to manage risk? Use our handy PDF checklist to help.
The minimum indemnity period is 6 months and based on where your business is situated, it could go up to 24 months.
Yes, they're covered under liability and your Business Vehicle Insurance while they are performing an act as part of your business. Talk to us to ensure you have the right liability cover.
91 years of customer care
Tailored insurance options
Buy direct - no middle man
Value for money