Shop Insurance

Protect your shop from a host of business risks with a range of protection that falls under one straightforward policy.

Whether you’re a small vendor or have a big enterprise, running your own shop comes with its fair share of challenges. But if you’ve got goods to sell, you’ve got goods to protect – and that’s where shop insurance comes in.

Shop insurance gives you the peace of mind that you’ve got the right protection in place to help your business rebound and recover from unforeseen circumstances, so you can focus on running your shop.

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What is shop insurance?

Owning and running your own shop means you’re exposed to a lot of potential risks. Not only does your investment in the shop itself need protecting, but so does your livelihood and the future of your business.

Shop insurance is designed to help with each of these key concerns by offering comprehensive cover. Shop insurance doesn’t refer to one specific policy but is instead an umbrella term for the many different types of cover you may need as a shop owner, depending on your individual needs.

Do I need shop insurance?

Currently in the UK, you are not legally required to have shop insurance. You are, however, legally required to have employer’s liability cover if you employ people, which shop insurance covers.

That said, our view is that shop insurance is essential for any shop owner who wants to protect their business and their livelihood. Without the right cover, your business is not only more vulnerable to risk but far less likely to recover from it.

In business, things can and do go wrong, but that doesn’t have to spell out the end of your shop. Shop insurance allows you to take a constructive approach to risk, where unwelcome events are merely hiccups from which your business can bounce back from.

What does shop insurance cover?

Shop insurance isn’t just about protecting your stock, but also the building (if applicable), infrastructure and processes that enable you to do business.

That could mean protection for:

Liability: Protects your business assets and your reputation if a customer was injured on your premises or as a result of your product.
Stock and contents: Protects your livelihood with cover for your stock, as well as insurance to protect your physical business premise, including contents like computers and tills.
Business interruption: Weather any storm with business interruption, which gives your shop the resources it needs to recover from an unforeseen event like fire or flood.

Are we the right commercial insurance broker for you?

Our shop insurance is designed for owner-managed businesses with up to £5 million in annual turnover. Whether you work alone or lead a small team, we can help you build tailored cover that reflects how your business operates.

We work with businesses across the UK, so no matter where you’re based, we can support you with expert advice and flexible insurance options.

Get a free shop insurance health check

Research suggests that 80% of UK SMEs are underinsured, meaning cover limits are too low to fully protect your business. If you’re unsure if your existing shop insurance is giving you the right protection, we can help.

As part of our free shop insurance health check, our experienced Commercial Manager will personally review your existing policy to ensure you have the right cover for your needs.

We’ll assess if you have any gaps in cover, are overpaying for extra cover you don’t need, are legally compliant, and if we can find you a better deal – all free of charge.

Simply get in touch for your free shop insurance health check today.

Speak to us about your shop insurance today

Our tailored shop insurance policies ensure you get the right protection at the best price. Fill in your details below and Mat, our experienced Commercial Manager, will be in touch with you shortly.

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