A retail client is someone who receives the highest level of consumer protection under Australian law. This category covers individuals and many small businesses buying personal or household insurance. The law recognises that retail clients may not have specialist knowledge, so additional warnings and documents are required, especially if personal advice is given.

Retail clients typically purchase everyday policies like home, motor, landlords, or travel insurance, which are known as retail policies. You can read more about this on the What Is a Retail Policy page.

For a clearer comparison, you might also like to read What Is a Wholesale Client.

To understand better where you as a client sit, please get in touch with us.