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Shop insurance

As a shop owner you understand that price and quality are import in equal measures; so do we. That's why since 1990 we've worked hard to find you competive cover across our panel of UK insurers.

Why us?

  • Our shop insurance quotes may be delivered to you directly online
  • We have been providing insurance for small businesses since 1990
  • Our contact centre is based in South Wales, ready to help you with your insurance needs
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What is shop insurance?

Modern shop insurance is designed to fit the changing face of British retail. While every store is different, your policy should cover your legal duty of care for your customers. This includes the safety of your team and the integrity of your property and any goods that you may sell.

As many smaller chains are operating on tighter and tighter margins, it can be tempting to let insurance take a backseat. Having the right policy means being protected from potentially devastating claims from customers and preventing disruption to your business.

While every owner can take steps to ensure the highest standards of safety, accidents will happen. Securing the correct coverage for your business can help you mitigate loss, damages, and other issues while continuing to operate with peace of mind.

If you want to find out more about the range of options available to you, our on-site quotation builder can assist you to better understand the variables involved with managing your business, helping you to make the right choice for your shop.

Who needs shop insurance?

Any professional operating a business that involves interacting with customers, staff, or suppliers will need professional insurance to cover their business needs. Understanding your responsibilities and prioritising them correctly is essential in the modern marketplace.

This makes putting the time and effort into finding a suitable policy essential, as failing to correctly protect yourself can leave you open to sizable claims that could damage your business and potentially lead to heavy personal losses. Even if you employ one or two extra members of staff, having employers' liability insurance is a legal requirement, and the penalties can be harsh.

Treating shop insurance as a requirement rather than a priority means that you and your store will be protected in a range of worst-case scenarios, properly preparing you and your business for the years ahead.

What does shop insurance cover?

Contents insurance: Covering your wares is essential in the event of damage, loss, or theft. This can also include business-critical items or money, both of which can be vulnerable to theft or poor handling practice.

Business interruption insurance: Any damage or required improvements can cause your store to be closed for long periods. Securing interruption insurance means that you can soften any losses and choosing to insure against common or potential risks can keep your store turning over when you need it most.

Public liability insurance: Customers or staff can easily be victim to trips, spills, or injury. Holding quality insurance can help provide coverage against the largest of claims, with the law requiring owners to also hold a minimum of £5m employers' insurance to care for your staff.

If you want to learn more about what policy is right for you and your business, please do not hesitate to get in touch and let our team know exactly what you need to find a quotation that truly fits.


  1. Since 1990, we've been helping businesses find the cover they need to stay protected
  2. UK based contact centre trained to help you with your insurance queries
  3. Flexibility to adapt your policies throughout the year
  4. Your cover can include own plant & tools, hired in plant and contract works

Read our guides

Read our FAQ's

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The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required. 

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As an employer in the UK, you’ll need to protect yourself and your company against claims of negligence brought by…

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If you have been working without a professional indemnity policy, we can backdate your professional indemnity insurance policy provided that…

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