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Shop and retail insurance

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What is Shop and Retail Insurance?

You may think that shop and retail insurance only applies to huge multi-chain brands that we see on the high street, but the truth is that any retailer, from self-employed florists and cafe owners to homegrown businesses can often be in need of this kind of protection.

What needs to be covered by shop and retail insurance?

Your insurance policy can be built around your needs; bespoke and tailored to you rather than a one-size-fits-all approach. That way it suits you and your budget better. Here are some of the things that you will need to consider:

  • Buildings insurance
  • Contents insurance (for accidental damage)
  • Subsidence
  • Loss of licence
  • Terrorism
  • Public liability
  • Product liability
  • Employer liability
  • Stock and money cover
  • Equipment cover

Not all of these will be applicable and it depends entirely on the type of business that run and certain circumstances such as where you run it from and whether or not you employ others to work for you.

Shop and retail insurance is a must-have if you’re looking to open a store of any size, or even if you already have one open. Unfortunately, due to the nature of business itself, anyone can be at risk of problems - either through bad luck or human error - so it’s important that you are safe as can be and protected as much as possible.

Get in touch

With the right kind of shop and retail insurance in place, your business can grow and thrive with you at the forefront with no worries of what to do should the unexpected happen. We can help you put the right protections in place. Contact our team today to find out more about how we can help you.

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High quality insurance that’s safe and secure.

  • Fully comprehensive policy, rated 5 Star by Defaqto
  • All policies underwritten by AXA Insurance UK Plc
  • Authorised and regulated by the Financial Conduct Authority (FCA)