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Shop Insurance

Whether you are on the high street or out of town, our shop and retail business insurance policy, backed by leading insurers helps to keep you open all hours. We cover all types of retailers – from small independent shops to larger retailers with more than one branch. Whatever you are selling – from fashion speciality gifts and flowers, to bike repairers and coffee shops and everything in between, we can get you covered.

GET A QUOTE Retrieve your quote

0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm

Request a callback

Shop Insurance

GET A QUOTE Retrieve your quote

0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm

Request a callback

About Shop Insurance

Insurance for a range of retail businesses

We can cover a wide range of shops, from small to large and from florists to newsagents including everything in between

Cover for high risk stock and contents

Our shop insurance can include high risk goods such as wines, spirits, cigarettes and tobacco and designer goods

Professional shop insurance claim assistance

Expert advice to help you with claims you face

Pay for your shop insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit.

Features of Shop Insurance

Standard cover

Stock and contents cover for your shop

You should include your shelves, racking, till systems, stock and high-risk goods like alcohol, tobacco, leather and designer items within your shop's contents insurance. If you'd like to add cover for frozen stock, cover for seasonal increases in stock or cover for stock in transit these options are also available.

Glass cover for retail premises

It's common for shop owners to be responsible for the glass within the store, including glass in cabinets and showcases, as well as the shop front. Therefore, we give you the choice to cover it as part of your policy. If your glass display is completely unique, we can specify this within the cover to ensure that if it is accidentally damaged you will have cover to replace it as it was before.

Retail business interruption cover

Whether you have experienced a break-in or a burst pipe and have had to close-up shop whilst repairs are carried out, we can provide business interruption insurance to protect your fixed costs in the meantime. Business Interruption covers you for the loss of gross profit suffered due to a reduction in trading whilst you were closed.

Public and employers' liability cover for shops

If you have employees your Shop package policy will automatically include employers’ liability cover to meet your legal requirements. Public and products liability insurance are also included as standard. These are very useful should a customer allege an accident in your shop or from using a product you have sold.

Shop Insurance FAQs

What is shop insurance?

A Shop insurance package policy is specifically tailored for the needs of a retail business. The main elements that it should cover are your contents and stock, business interruption, money, combined liability cover for employers, product and public liability as well as glass. We can include cover for the building if you own them.

Do I need shop insurance?

If you run a retail business from a commercial property, you’ll want a retail insurance policy tailored to your exact requirements.

What is ‘Seasonal Increase of Stock’ insurance?

This is for shops and other businesses whose stock values fluctuate at different times of the year. For example, a school uniform retailer will have more stock in August/September, whereas other businesses such as toy and gift shops would increase their stocks prior to and over Christmas. The policy will normally include a 25 to 30% seasonal increase in stock over Easter, bank holidays and 30 days prior to Christmas. We can tailor the months to meet your needs.

This cover allows your ‘sums insured’ to be increased by an agreed percentage for your busy times of the year, helping to keep your costs down. Make sure you let our team know if you'd like to add this cover.

What is ‘loss of licence’ cover?

‘Loss of licence’ insurance can cover reduction in value of your business due to loss of your wines and spirits licence at the premises. This cover is not included as standard so please ask the team for full details.

Do I need to cover glass under my shop insurance?

Glass cover is normally included on ta shop policy as standard. However, you may need to include the shopfront if your lease makes your responsible for damage caused to it. If you have a unique window display or a particularly large proportion of glass on your shop front, speak to the team to make sure it’s covered correctly.

Can ATMs (Automated Teller Machines) be covered on my shop insurance?

Yes, ATMs both inside and built into the walls of your shop can be covered on this policy. Do remember that you must make the team aware of this to ensure you are adequately covered as this can increase the risks of theft and break-in.

I sell stock online, can this be insured too?

We can provide cover for stock sold online and any exports you make to outside of the UK. It is very important that you let the team know when running through your details to ensure they provide you with the correct policy for your needs. In addition to products liability, you will also need to consider if goods in transit insurance is needed for deliveries.

Can I pay in instalments?

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.