Just like the products they sell, shops and retail businesses come in all shapes and sizes, so it’s essential that you have shop insurance which is designed to protect your business.
What is shop insurance?
Shop insurance can provide cover for the buildings of your shop, the contents inside your shop (including stock) or both against a wide range of perils including fire, theft and flood. Extra cover for the glass or windows of your shop is also included, in addition to public and employers' liability.
Our team of business insurance experts will work with you to understand the needs of your shop or retail business, so whether you’re a butcher, baker, high street retailer or florist, you know you’re protected if the unexpected happens.
Call our specialist team now on 0333 234 0021 or request a quote online.
Our shop insurance covers:
- your business contents while in your shop or retail premises against perils such as fire, theft, flood and accidental damage
- employer’s liability up to £10,000,000 and liability to the public up to £5,000,000
- business interruption - cover for loss of income arising from interruption to your business as a result of an insured event such as a fire, theft or flood at your business premises
- goods or stock while in transit to your shop or retail premises
- breakdown of essential business equipment such as computers, telephone services, tills, copiers or printers
- personal accidents including cover for assault against your employees or customers
- money at your business premises or in transit, excluding theft from unattended vehicles
- personal belongings of your employees and shop customers, excluding theft from unattended vehicles unless the item is out of sight and locked away
- loss of income up to £750,000
- legal expenses and uninsured losses following legal proceedings, such as costs incurred defending a claim against your business
- the glass or windows of your shop or retail premises against malicious damage
Cover is also available for the buildings of your shop against perils such as fire, flood, escape of water, subsidence and damage caused by extreme weather.
We can cover all types of retail-based businesses, including:
- Department stores and high street retailers
- Bakers, butchers, greengrocers, fishmongers and delicatessens
- Coffee shops
- Post offices
- DIY, hardware, print and audio visual stores
- With over 25 years' experience providing insurance for businesses, our specialist UK based business insurance team can shape the right solution for you
- We work closely with leading specialist insurers including Hiscox, Zurich, NIG and Allianz to ensure we can provide you with flexible insurance options for your business
- In addition to our business insurance expertise, we're also a provider of car insurance, travel insurance, gadget insurance, landlord insurance and more