Shop Insurance

We cover all sorts of shops including grocers, off licenses, pet shops, clothes shops and florists. If you’re unsure whether we cover your trade, just get in touch and our team will be happy to help.

Some types of insurance are a legal requirement to protect you and your business. Others may not be compulsory, but advisable to protect you in the event of a claim. Not having the appropriate insurance for your business could be a false economy. For example, if you don’t have the necessary protection and an incident occurs, you could be liable to pay costs or compensation. Therefore, it makes sense to match your insurance protection to your requirements and provide you with peace of mind that a claim won’t be damaging to your business.

As you constantly have members of the public filtering in and out of your shop, public liability insurance is crucial. This type of insurance protects you if a member of the public is injured or their property is damaged on your premises. Your contents and stock are your livelihood and protecting them will ensure your business doesn’t suffer. Contents insurance protects your goods in the case of theft, damage or devastation such as fire and floods. If you have employees you are required by law to have employers’ liability insurance (unless your employees are immediate family or your spouse). This protects you if an employee becomes injured or seriously ill as a result of working for you. Finally, you may want to consider financial protection and business interruption cover. Financial protection ensures that cash on your premises is safe. Similarly, business interruption cover is necessary to protect you in the event your shop is closed due to damage.

The optional cover available depends on the type of shop you own. For example, shops that sell food will need to pay close attention to the frozen food section of their policy to ensure the cover is adequate enough. Otherwise, they may need to investigate more comprehensive cover. If you own your shop premises then you will need buildings insurance to protect your bricks and mortar. If you rent your premises, check with your landlord to see if your building is covered. We can arrange flexible policies that match your needs. All you have to do is tell us what you’d like covered and we’ll do our best to ensure that it happens at a competitive price.

The cost of your policy depends on your needs. Our policies are flexible and can adapt to fit your requirements. So whether you’re a small village shop or a large, out-of-town retailer we can match you with the required policy. For example, multiple options may be available from our panel of insurers – each with differing features and prices. We will present you with the possibilities so you can make an informed decision on which option is best for you.