Operate your retail business with complete confidence, knowing that our insurance was designed for all types of retail outlets from a small kiosk to a large superstore.
Whether you are a Hairdresser, Beauty Salon, Newsagent, Grocer, Butcher or Baker, our team of specialist insurers will visit your premises to discuss your objectives to make sure that we provide the right level of cover to give you the most protection in the event of problems.
Our standard level of cover includes (but is not limited to):
We work with all of the main UK insurers so we can offer expert advice to ensure your business is well protected. For the peace of mind that you have the right business insurance cover please give us a call on 01603 954841, send us an email or pop in and see us.
Shop insurance can be very broad and will cover a wide range of losses, including:
- Damage to the shop's buildings and contents.
- Damage to the shop front
Injuries to customers and employees.
-Loss of income due to a closure.
- Loss of Money
Goods in Transit.
We are always happy to discuss your potential exposure in detail to ensure that you are covered as broadly as possible.
The specific types of insurance that you need for your shop will depend on the size and type of your business. However, the following covers are relatively standard and would be a good starting point:
- Public liability insurance: This insurance covers you for any damage or injury that you cause to third parties while working. This could include customers, clients, members of the public, or even your own employees.
- Employers' liability insurance: This insurance covers you for any claims made by your employees if they are injured while working.
- Buildings insurance: This insurance covers you for the cost of repairing or rebuilding your pub if it is damaged or destroyed by an event such as a fire, flood, or storm.
- Contents insurance: This insurance covers you for the cost of replacing your pub's contents, such as furniture, equipment, and stock, if they are damaged or stolen.
- Business interruption insurance: This insurance covers you for the loss of income if your pub is closed due to an insured event, such as a fire or flood.
Shop insurance is a type of insurance that covers businesses that operate from a physical location. It can help to protect businesses from financial loss in the event of an accident, injury, or other loss.
Shop owners need insurance to protect themselves from financial loss in the event of an accident, injury, or other loss. Insurance can help to cover the cost of stock replacement, building repairs, medical expenses, and legal fees.
Most insurance companies offer shop insurance, and each will have their own distinct features and benefits dependent on your trade. If you are a newsagent you may find it easier and less restrictive to buy a policy than a fireworks retailer for example. The benefit of using a professional insurance broker is that we are experienced in providing professional advice to ensure that any quotation received meets the needs of you and your business.
Yes, you can get shop insurance for a single shop or multiple shop locations. The cost of insurance will vary depending on the number of shops you own and the level of coverage you choose.
The cost of shop insurance will depend on a number of factors including: The amount of cover required for items such as buildings, contents and stock The annual revenue of the business The number of staff or wage roll of the business The location of the business The services you offer Any previous claims or history of subsidence or flooding
Yes, shop insurance typically covers theft, vandalism, and burglary. However, it is always important to check with your insurance broker if there is a specific type of loss you are worried about.
Yes, you can typically get coverage for stock or inventory stored at the shop. However, it is important to check ensure that you calculate your sums insured accurately to ensure coverage is sufficient and that the stock or inventory is properly insured.
Yes, you can typically get coverage for product liability or faulty goods under shop insurance. However, it is important to disclose all items you sell prior to inception to make sure that the coverage is sufficient and that the goods are properly insured.
Yes, many insurance companies offer discounts for shop insurance based on security measures, alarm systems, or loss prevention practices. These discounts can save you money on your insurance premiums.
Regardless of the occupancy, we can help protect one of your most valuable assets.
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