Retail Insurances | Retail Business Insurance

Coronavirus (COVID-19) information

Updated 3rd June 2020 - We've temporarily changed our opening hours to best support our customers and colleagues. To find out how you can get in touch and for resources or guidance, visit our Coronavirus information page.

If you are a customer and are experiencing financial difficulty paying your premium as a result of COVID-19 please get in touch to discuss your options.

Business Insurance for Retailers

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.

Why choose us?

Compare insurance quotes
Right cover, right price

Expert advice in just one call
Insurance tailored to your needs

Monthly payment options available
Your business, your budget

Excellent customer service rating
Rated 4.7/5 based on 442 Feefo reviews

Retail insurance we can arrange:

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What insurance covers do retailers need?

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.

Compare retail insurance quotes

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.

News & Insight for Retailers

If you're looking for industry insight, business inspiration or simple guides to assist in your day to day business you can find it in the News & Insight section. Our Retail Marketing Calendar 2020 contains key dates for the year to help provide inspiration to grow your retail business this year.

Covers to consider:

Buildings, contents and stock
Seasonal increase on stock
Public and products liability
Employers' liability
Goods in transit cover
Money cover
Cyber insurance

*10% of our retail insurance customers paid less than £247 between April 2018 to April 2019.

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Our customers happily rate our service

4.7 / 5 Based on 442 reviews (Updated: 24/04/20)

"Very impressed with their efficient approach and the care and attention they pay to customers. I would recommend them and look forward to using them again. They were that impressive they got the business from our normal broker who we have used for 30+ years!"

Mr Appleby, Property Owner, Lancashire (Customer since November 2018)

"I'm so pleased to have bought from them. I made a huge saving on my insurance for my small business and they were so helpful and explained everything. A very happy new customer.”

Miss Saunders, Beauty Salon, Altrincham (Customer since February 2019)

"It was a very efficient service. They gave me my chosen quote and set everything up within minutes. No trouble at all. I'm very happy with Premierline's service and will definitely recommend them"

Dr Chatterjee, Dentist, Warrington (Customer since July 2016)