Retail Insurance for UK Businesses

As an employer, even if you only have part time staff in your retail shop, you are legally required to insure against any accidents your staff may sustain whilst working for you.

If you own the building you trade from, it’s important to protect this asset. The unexpected can happen at any time such as a fire, flood or storm so its vital to have the right insurance in place to cover repairs and/or rebuild costs.

As a retailer you’ll need to protect your contents and stock as part of your retail shop insurance policy. Protecting your stock and contents can help minimise any disruption caused by unexpected damage at your shop. You never know what’s around the corner so it’s essential you’re covered.

Whatever your shop insurance needs, the ability to continue to trade following an incident and get back on your feet as quickly as possible is crucial. Business interruption cover can take care of this eventuality, so if your property is damaged following an insured event, your income and expenses would be protected while you get back up and running.

Goods in Transit insurance covers items from theft, loss or damage while they are being transported by vehicle from one retail premises to another in the course of business. For example, goods in transit could cover moving stock from a wholesaler to your shop should something go wrong.

No matter how careful you are with retail business takings, money can still be stolen or go missing. For example, someone could break into your shop and steal cash from a till, locked box or safe. Money cover can protect your retail business against such losses.

No matter how carefully you run your business, there’s still a chance you’ll need legal counsel at some point. At any point your retail business could be exposed to high legal costs even if the claim against you is unfounded.