Just as Shops Come in all Sorts of Shapes and Sizes, our Flexible Insurance Policies do too.
Your shop liability insurance doesn’t just protect you, it also protects your staff and customers too. Making sure that your shop is protected against unforeseen circumstances will give you the peace of mind you need to continue serving your community.
How do we Choose the Right Insurance Policy for Your Shop?
We understand that as a shop owner you can be rushed off your feet, with little time to search for insurance and find the best deal. That’s why we’re here to do it for you. We listen carefully to your needs and arrange the most appropriate insurance to protect your business at the right price.
What’s more, as a broker we have access to a wide range of flexible policies from leading UK and specialist insurers that can be tailored to your needs. As a result, you won’t be limited to the features of a standard shop liability insurance policy and can run your business with the peace of mind that you are protected.
You Could Save Over 20%*
Contact our team to receive a no obligation, instant quote today.
Cover available for shops**
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Accidental damage.
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Book debts/accounts receivable.
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Buildings cover.
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Business interruption.
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Contents cover.
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Embedded machinery breakdown.
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Employers liability.
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Glass.
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Goods in transit.
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Legal expenses.
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Loss of rent receivable.
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Money at home of insured or authorised employee.
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Money on premises or in safe.
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Money on the premises outside business hours.
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Public and products liability.
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Subsidence.
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Tenants improvements.
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Terrorism.
Premiums from as little as
In the past 12 months our customers have paid as little as £375.46 per annum for shop and retail insurance.
50% of our shop and retail customers paid less than £808.81 per annum.
What Kind of Shop Insurance do you Cover?
We cover all sorts of shops including 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.
How Much Does the Average Shop Insurance Policy Cost?
The cost of your policy will depend on your needs. Our policies are flexible and can be adapted 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 right policy. Multiple options may be available from our panel of insurers – each with different features and prices. In this case, we will present you with the quotes, and advise you if required, so you can make an informed decision on which policy is best for you.
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
*** Data compared from 955 policies sold in 2022. 212 customers paid as little as £375.46.
Frequently asked questions
Wouldn’t go anywhere else! I have used smei for many years. I always get reminded when it’s that time again. I have always found them to be very helpful and they do try to get you the best deal.
Morag Ross