Shop Insurance

Whether on the high street or out of town, our shop insurance policy has options from leading insurers to help keep you open all hours.
Helping protect against the effects of unforeseen events, shop insurance can be tailored to a wide range of businesses, from florists to salons and electrical outlets, through to local stores and corner shops. Cover can include buildings, contents, theft, business interruption, seasonal increases and more.6 0409
Weekdays 8:30am – 6pm
Shop insurance features
Buildings cover
Fixtures and fittings cover
All risks cover for loss or damage to contents
Business interruption
Cover for money belonging to you or that you are responsible for in connection with the business
Accidental damage cover, including damage to glass
Seasonal increases for stock
Refrigerated stock
Damage or theft of stock while in transit
Public liability with a limit of indemnity of £2 million (option to increase to £5 million)
Products liability with a limit of indemnity of £2 million (option to increase to £5 million)
Loss of licence if applicable to your business
Legal expenses including cover for contract disputes
Quotes can often be by phone
Discounts available
Shop insurance exclusions
Property damage due to wear & tear
Damage caused by water when the building is unoccupied
Damage caused by theft or attempted theft when not involving entry by forcible means (ie shoplifting)
Please refer to your policy wording for a full list of exclusions for all sections covered within your insurance.
Shop insurance FAQs
Can I contact you during the busy trading periods of the year to increase stock cover?
Yes, although, we have access to policies which will offer this as standard cover! During the busier trading periods of the year, stock will be automatically increased from 15% – 25% depending on the policy used
I have suffered a claim in the past, will you still be able to offer me cover?
We are able to offer policies to clients who have previously suffered a claim. After all this is what insurance is for, to cover your business against perils in times of need. We will also be able to assess your situation and help in taking steps to prevent a further loss from occurring

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