Retail or
Shop Insurance

Cover for your retail outlet

As a shop owner, safeguarding your customers, employees, suppliers, and property is paramount. Investing in comprehensive shop or retail insurance should be a priority to shield your business from unexpected events.

Navigating through insurance options can be time-consuming and confusing. That’s why we’re here to help. We have access to the most reputable insurers across the UK so we can tailor the best cover for your specific shop requirements.

Whether you run a grocery store, newsagent, clothing boutique, or gift shop, we’ve got you covered.

Getting multiple quotes online is quick and easy. But if you’re unsure about the cover your shop needs, our experienced insurance advisors are just a phone call away. They’ll provide tailored support, advice, and arrange a policy that meets all your needs.

Understanding Shop Insurance

Shop insurance offers a comprehensive solution for UK retailers, bundling various covers into one package to protect your business when the unexpected strikes. It provides financial security against accidents, errors, theft, damage, and legal fees, offering peace of mind in managing your retail operations.

Considerations for Your Shop Insurance

Public Liability Insurance: With regular foot traffic from customers and suppliers, public liability cover is essential. Accidents can happen unexpectedly, and having adequate cover ensures your business continuity. Public liability insurance can protect you in case of accidents resulting in injuries to others on your premises.

Employers’ Liability: As an employer, it’s crucial to insure your staff against workplace accidents, as required by law. Employers’ liability insurance, often bundled with public liability cover, safeguards your business from potential financial impacts resulting from employee injuries.

Property Covers: Protecting your shop’s property is vital. Whether it’s fixtures, contents, stock, or buildings, insurance covers theft, damage, weather events, and other risks that could disrupt your business operations.

Business Interruption Cover: Ensuring business continuity following an incident is essential. Business interruption cover protects your income and expenses if your property is damaged, allowing you to recover and resume trading quickly.

Commercial Legal Protection: Include commercial legal protection in your policy to safeguard against employment disputes, compensation awards, tax/VAT disputes, and jury service expenses.

Product Liability Cover: Consider adding product liability cover to protect against injuries or damages caused by faulty products your shop sells, designs, manufactures, or supplies.

Additional Covers: Explore additional covers tailored to your business needs. For instance, if you sell alcohol, loss of license cover may be crucial. Alternatively, seasonal increase cover could benefit businesses like florists holding stock for specific events.

Let us help you secure the right insurance for your shop, ensuring peace of mind and protection against the unexpected.