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Shop Insurance

Retail Business Insurance for Shop Owners

Your shop insurance policy doesn’t just protect you, it also protects your staff and customers. Making sure that your shop is protected against unforeseen circumstances will give you the peace of mind you need to continue serving your community.

Key features and benefits

  • Premiums from as little as £438. **
  • Quotes from a panel of A-rated insurers.
  • Single, flexible policy — tailor made to suit your requirements.
  • Dedicated adviser throughout your policy.
  • No midterm amendment fees should you need to make a change.
  • Access to a 24-hour legal helpline.
  • Flexible payment options including direct debit.
  • Access to documents anytime, anywhere via our secure portal.

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What Type of Shop Insurance do You Need?

There are a number of different covers you'll need for your shop and retail business. We can provide all sorts of shop insurance quotes, including cover for grocers, off-licences, pet shops, clothes shops and florists. If you’re unsure whether we cover your trade, just get in touch on 0330 134 4564 and our team will be happy to help. Some of the covers you may need to consider are:

Public liability insurance 

As a shop owner, you’re responsible for the welfare of your customers, so it’s essential to have adequate public liability cover in case anyone is injured at your shop premises.

Employers liability insurance

If you have staff that work in your shop, you're legally required to have employers liability insurance. This will protect you against claims made for injury or illness by employees whilst working for you.

Product liability insurance

Product liability is another essential cover, safeguarding your business in the event that somebody suffers illness or injury due to one of the products you sell.

Business interruption insurance

Business interruption provides financial protection should an event like a fire or flood prevent you from trading for a period of time.

Business equipment cover

To ensure that any machines vital to your business can be replaced or repaired should they fail.

Personal accident insurance

This can pay out a lump sum or can cover your income if you're unable to work following injury or illness.

You Could Save Over 30%*

Contact our team to receive a no obligation, instant quote today.

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Premiums from as little as

£438

In the last 12 months our customers have paid as little as £438 per annum for shop and retail insurance. That’s just £8 per week!

50% of our shop and retail customers paid less than £1,195 per annum.**

* Please click here to view our pricing disclaimer.

** Data compared from 1,946 policies sold in 2023. 506 customers paid £438 or less, which represents 26%. £8 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1. 

*** Standard and optional cover may differ dependent upon insurer.


Frequently asked questions

Different types of charity shops have varying needs of protection. For example, your charity shop may sell everything from clothing and books, to electrical items such as televisions and sound systems, or you may need cover for fundraising events and activities. The policies that you include in your charity's insurance package may be influenced by a number of factors, including the size and nature of your charity, and the work it carries out. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.

If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee's negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing.

As you constantly have members of the public filtering in and out of your supermarket, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or their property is damaged as a result of you or your employee's negligence. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. Stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around key dates when you would carry goods that are more expensive than usual, like at Christmas for example.

Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery or you may have a large amount of frozen stock that you need to insure. Speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.

The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you.

Some types of insurance may be a legal requirement. Others will protect you and your supermarket in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your supermarket could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your supermarket and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.

Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don't have public liability insurance and a customer trips over equipment or boxes on the floor, you may be liable to pay compensation costs. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.

Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely be interacting with members of the public on a daily basis, which means there's a risk of your charity's activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation.

For bike shops, stock insurance should be a high priority, especially given the value of the products you are selling. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around busier seasonal periods when you may offer bikes and equipment that are more expensive or exclusive.

Quotes from well-known and specialist insurers, including:

You Could Save Over 30%*