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Retail insurance overview

Retailers take many shapes and sizes from butchers to bakeries, florists to furniture shops. They can be based on the high street or operate online through an ecommerce shop. Each face a unique set of risks relevant to their trade, however there are also a number of similarities in the covers that a retail business insurance policy would provide.

We understand that shops face exposures to unforeseen events that could cause injury to customers or employees, or damage to premises that interrupts the businesses ability to trade. Shop insurance can protect you against these eventualities and much more.

You may be looking to set up retail insurance or specific e-commerce insurance, or dependent on the nature of your business you may require a combination of the two.

Retail insurance policies will typically contain a number of covers that are all combined into one convenient package, designed with retailers in mind. Public liability cover and employers' liability cover are a fundamental part of your retailer insurance policy to safeguard your livelihood against accidental injury to anyone that visits your shop or one of your employees.

Another priority would be your contents, stock and even buildings, if they are owned by you. Shop insurance policies will also typically include cover for money, goods in transit and business interruption cover, which can protect your income and cover your expenses if your premises suffers damage meaning you are unable to trade. All of these covers can be included within retail insurance policies such as newsagents insurance, butchers insurance and bakery insurance.

With many years’ experience helping retailers arrange their insurance, we are experts that understand the covers that are relevant to different trades in this sector.

We are dedicated to supporting you for the duration of your policy, and are here to make arranging your retail insurance simple and hassle free. Get a quote today. 

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"Joe was polite, efficient and friendly. He talked through the questions, sent through the quotes and followed up everything as promised. The whole experience was pain free, efficient and he got a great quote for us too!"

Mr Simpson, Marketing Consultants, Banbury. (Customer since May 2017)

"The price they quoted me was very good. They were helpful and not too pushy so I would definitely recommend them"

Mr Irons, Electrical Retailer, Skegness. (Customer since Jan 2016)

"Friendly staff, very helpful. They always called me back when I requested it and didn't pressure me into buying. They searched the market for the best deal for my needs and I couldn't be happier. I would be definitely recommend them!"

Mrs Chalise, Laundry/Dry Cleaners, Warrington. (Customer since May 2017)