Retail Shop Insurance

If you own or operate a Retail Shop, whether it’s on the high street or online, it is essential that you have sufficient insurance in place to protect you, your customers, your stock, staff, building, contents, and your liability exposures.

Take out a flexible policy, tailored to meet the specific needs of your Retail Shop.  Shops are busy environments with lots of people coming and going.  Whether you own a newsagents, off-licence, grocers, florist, clothing retailer, you can protect yourself against damage or injury to your equipment, premises, staff and customers.  You can also cover yourself in the event of having to close your premises temporarily due to an insured event, such as a fire, storm or flood.

If you operate an online business, we can provide you with bespoke insurance cover, which is specifically tailored to your needs.

Cover the assets, earnings and legal liabilities of your Retail Shop, ensuring you have protection against:

  • Public liability for injury or damage to the public, up to £5m
  • Unlimited Business content coverage (cash registers, counters, equipment, etc.). Subject to terms and conditions, depending on high-risk stock and security conditions
  • Employer liability to cover your employees injury including damages, legal costs, and expenses up to £10m
  • Loss of income coverage after an incident requiring an insurance claim, from £500,000 upwards for 12-month period
  • Accidental damage
  • Building coverage
  • Loss of drinks licence up to £100,000

Benefits to you

Policies are tailored to meet your specific needs and amendments can be made at any time. In the event of a claim we offer a straight forward claims process with specialist claims representatives to guide you through the process.

Did you know?

We’re amongst the cheapest in the UK and we’re backed by trusted, award winning and reputable insurance companies.

Here's a recent quote we did for a Grocery Store in Staffordshire:

  • Buildings: £200,000
  • Contents: £15,000
  • Stock: £10,300
  • Frozen Stock: £2,000
  • Wine & Spirit: £2,500
  • Employers Liability: Tick
  • Public Liability: Tick
  • All other standard cover: Tick
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Annual Premium: £361.35

Standard cover includes:

  • Sum insured up to £5m in any one location
  • Business interruption
  • Unlimited glass cover
  • Money
  • Goods in transit
  • Loss of licence
  • Book debts
  • Public and products liability
  • Employers liability
  • Legal expenses

Optional cover - choose from:

  • Buildings
  • Contents
  • Tenants improvements
  • Stock
  • Electronic business equipment

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