Shop Insurance

Shops come in all sorts of shapes and sizes, just like our flexible insurance policies.

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Comprehensive insurance tailored to your business

Your shop isn’t just important to you, it’s important to the people you serve on a daily basis. Ensuring your shop is protected against unforeseen circumstances will give you the peace of mind you need to continue serving your community.

We understand that as a shop owner you can be rushed off your feet and may not have time to search for insurance, and the best deal for you. That’s why we’re here to do it for you. We listen to your needs and arrange the most appropriate insurance to protect your business.

What’s more, as a broker we have access to a wide range of flexible policies from leading UK insurers and specialist insurers that can be tailored to your needs. As a result you won’t be limited to the features of a standard insurance policy and can run your business with the peace of mind that everything is protected.

Whether you run a grocer’s, clothes shop or optician’s, we can arrange a bespoke insurance policy to suit you.

Cover available for shops

  • Accidental damage.

  • Public and products liability.

  • Employers liability.

  • Contents cover.

  • Buildings cover.

  • Business interruption.


    Money on premises or in safe.

  • Money on the premises outside business hours.

  • Money at home of insured or authorised employee.

  • Goods in transit.

  • Glass.


  • Legal expenses.

  • Book debts/accounts receivable.

  • Loss of rent receivable.

  • Tenants improvements.

  • Subsidence.

  • Terrorism.

  • Embedded machinery breakdown.

You Could Save Over 10% With Us*

Mon-Fri: 9am - 6pm

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


Quote line: 0330 134 4564
What Kind of Shops Do You Cover?

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.

Why Do I Need Insurance?

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.

What Cover Do I Need?

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.

What Optional Cover Is Available?

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.

How Much Does Insurance Cost?

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.


*We randomly surveyed 48 policyholders (5%) who obtained cover through us between April 2016 and July 2016. 81% made a financial saving by moving to SMEi, with an average saving of 15.2%. This data excludes commercial and residential insurance for landlords.


You Could Save Over 10% With Us*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

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

Call the quote line: 0330 134 4564

Mon-Fri: 9am - 6pm

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