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 £437.77**
- 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.
Get shop insurance cover now
Join thousands of other shop owners today and get a tailored business insurance policy.
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.
What's Insured?***
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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 £437.77 per annum for shop and retail insurance.
50% of our shop and retail customers paid less than £1195.27 per annum.
We're Here For You...
Want some free advice and expert guidance to help grow and protect your business?
- Access our free business insurance check to make sure you have the right cover.
- Download 'how to' guides for boosting success.
- Hear from other business owners like you.
- Set renewal reminders and calculate staff turnover costs.
Your Success = Our Success.
- We’ve been helping protect businesses like yours since 2002.
- Access to A-rated insurance companies in the UK.
- We search the market for you to save you valuable time.
- Genuinely affordable pricing with no hidden fees.
- Deep expertise on hand when you need it.
Want to know more about us and how we wouldn't exist without you?
* Please click here to view our pricing disclaimer.
** Data compared from 1946 policies sold in 2023. 506 customers paid less thank £437.77.
*** Standard and optional cover may differ dependent upon insurer.
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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
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