Retail and Shop Insurance

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Retail and Shop Insurance, protecting your business

If you are in the retail business, the sound of ringing tills is music to your ears. We know you work hard to bring the money in, so you wouldn’t want anything unexpected putting a dent in your profits. That’s why shop insurance is so essential to success of your business.

Protecting your Assets

It’s not easy turning a profit in the retail industry, but it can be highly rewarding. You don’t just have to keep an eye on your own business, you have to be up to speed with what your competitors are up to as well.

There are many overheads to consider if you run a shop, but if you protect them and keep one step ahead of the competition, you can be very successful. Of course there are risks involved in business, but with retail shop insurance, you will be better prepared to meet these challenges head-on.

Buildings cover

More than any industry, an inviting shop front is essential in retail. But you may also have other buildings connected to your business, such as warehouses for storage.

We’ll find you a cheap shop insurance policy which will protect all your buildings against damage and other unexpected occurrences. The cost of repairing damage to your shop building or storage units could run into thousands of pounds, putting untold strain on your profits.

It’s important, therefore, to have retail insurance in place that will cushion this blow. Buildings insurance will cover you for damage caused be fire, floods, storms, vandalism or earthquakes.

Contents insurance

Contents cover is key to making your business thrive. If you don’t have the goods on the shelves or rails, there’s nothing to pull people through the door.

If your stock and equipment is damaged by fire, flood or other means, contents insurance will cover the cost of replacing those items. This will protect any income you have lost when there has been nothing to sell. You will also be covered for theft, whether it is goods, money or other valuables that have been stolen.

Retail and shops public and employer’s liability

You’ll want to make your shop is inviting to draw the crowds in, but your retail premises must also be a safe place for the public and your own staff.

You must, by law, have employer’s liability insurance if you have anybody working for you. This will cover you if any of your staff members are injured at work or suffer a work-related illness.

Public liability is not a legal requirement, but is highly advisable as it will protect you if a member of the public is injured or has their property damaged while in your shop. You could also be liable if someone is injured or made ill by the products you sell in your shop.

In any case, you could be facing a big claim against you, which could have serious financial implications for your business.

Retail insurance with the correct liability cover will protect you against claims and legal costs. Legal fees alone are a huge expense, even if you win a case that is brought against you, so it’s a good idea to have the right cover in place.

At, there’s no need to shop around for the best deal on retail insurance, we’ll do all the hard work for you. We’ll compare lots of different policies from a range of insurers to make sure we get the right fit for you and your business. You can also call our friendly UK-based team on 0800 1073404.

Compare Retail and Shop Insurance Cover at

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