From an insurance and people risk perspective, the last 12 months has highlighted the need to ensure your risk management strategies, when tested, will respond.

We recognise the importance of insurance as a business enabler for retail and a key ARA member service. We have created ARA Insurance to address this need, teaming up with the world’s leading insurance broker, Marsh, to deliver a suite of insurance and risk management offerings specifically tailored to retail.

The ARA Insurance program provides market-leading risk and insurance solutions tailored for ARA members across all retail industry segments. From major national, to multi-store owners or even sole traders, the ARA Insurance program caters to all retail companies, extending to:

  • State based retailers

  • Department stores

  • Franchises

  • Retail Groups

  • Independent and online operators


A unique insurance offering for retailers. Harnessing the industry experience of ARA and risk management expertise from leading insurance broker, Marsh*

Contact the ARA Insurance team at Marsh on 1300 133 988 or at to speak to them about developing an insurance and risk management program that aligns with your business risk requirements and appetite.

ARA Insurance team

Our team aim to deliver risk solutions that are designed to meet the unique and evolving needs of ARA members and the Australian retail industry. When arranging insurance solutions for ARA members, the ARA Insurance team at Marsh work with selected insurance providers who cater to the specific risk exposures of the sector. We understand the importance of creating the ideal balance between providing insurance expertise and a seamless ‘hassle–free’ purchase or renewal.

Collectively, the team have over 100 years’ experience in account management and expertise across all classes of insurance.



We offer competitively priced insurance solutions to support of a variety of risk needs including:

  • Property including business interruption

  • Public & Products Liability

  • Motor Vehicle

  • Trade Credit

  • Directors & Officers Liability

  • Professional Indemnity

  • Cyber

  • Crime

  • Travel and Personal Accident



  • Educational Workshops

  • Risk Identification & Profiling

  • Insurable Risk Gap Analysis

  • Asset Valuations

  • Risk Policy and Procedure Development

  • BI Declared Values Review

  • Property Risk Evaluations Surveys




Workforce Strategies

  • Compliance and Auditing

  • Work Health and Safety

  • Employee Accident


  • Travel and Personal Accident

  • Employee Accident and Health

  • Organisational reviews

Employee Value Proposition

  • Occupational

  • Employee Benefits

  • Group Salary Continuance

  • Life Insurance and Private Health


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  • International licensing partners

  • Law suits and litigation

  • Cyber vulnerability

  • Balance sheet considerations

  • Growth through Mergers & Acquisitions

  • Reputational risk


For further information or to arrange an initial consultation with one of our experienced insurance brokers, please complete the contact form below.

Alternatively, you can contact the ARA Insurance team at Marsh on 1300 133 988 to discuss further.

*backed by leading insurance broker


This webpage contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request. Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) arranges the insurance and is not the insurer.

View Marsh Advantage Insurance Financial Services Guide

The Australian Retailers Association receives a financial benefit when a policy is arranged for its members by Marsh, enabling it to continue to provide further services to the retail industry.