Shop Insurance

Just as shops come in all sorts of shapes and sizes, our flexible insurance policies do too.

Get a fast, no obligation quote which could save you over 15%* 0330 134 4564 Get a quote

Shop Insurance Quote

Just as shops come in all sorts of shapes and sizes, our flexible insurance policies do too.

Your shop 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 retail shop 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 insurance policy and can run your business with the peace of mind that you are protected.

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 15% With Us*

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


Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564
Premiums from as little as £220.00

In the past 12 months our customers have paid as little as £220 per annum for shop insurance.

50% of our shop customers paid less than £418 per annum.***


Some types of insurance are a legal requirement to protect you and your business. Others may not be compulsory, but are advisable to protect you in the event of a claim. Insurance packages that appear to be cheaper can be a false economy if they do not provide appropriate cover. For example, if you don’t have the necessary protection and an incident occurs, you could be liable to pay costs or compensation – which could cost your business dearly. Therefore, it makes sense to match your insurance protection to your requirements so that you have peace of mind that your business’ financial security would not be affected in the event of a claim.


As you constantly have members of the public filtering in and out of your shop, public liability insurance is crucial. This will protect you if a member of the public is injured or their property is damaged on your premises. Your contents and stock are your livelihood so it’s also important to protect them. Contents insurance protects your goods in the case of theft, damage or devastation such as fire and floods. Financial protection ensures that cash on your premises is safe. If you have employees you are required by law to have employers liability insurance. This protects you if an employee becomes injured or seriously ill at work. Finally, you may want to consider business interruption cover. Business interruption cover will protect you in the event that your shop is closed due to damage, helping you to continue to pay your expenses whilst you’re closed and cover loss of earnings.


There is a wide range of optional cover available depending 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. 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, however, 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 arrange at a competitive price.


Because our policies are flexible and can be adapted to fit your requirements, the price will depend on your individual needs. 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 differing features and prices. In this case will present you with the options, and advise you if required, so you can make an informed decision on which policy is best for you.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Kimora Fashion & Lifestyle in Barrowford, Lancashire is one of our high street heroes. Visit their Facebook page here:

What kind of shop insurance do you cover?

We cover all sorts of shops including grocers, off-licences, pet shops, clothes shops like Kimora Fashion & Lifestyle in Barrowford, Lancashire (pictured above), 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 shop insurance 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 differing features and prices. In this case, we will present you with the options, and advise you if required, so you can make an informed decision on which policy is best for you.


Terms and conditions

* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

** Standard and optional cover may differ dependent upon insurer

*** Data compared from 564 policies sold in 2019.

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