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Compare shop insurance with Premierline

We all know accidents do happen, but as a shop owner you have a responsibility to your customers, employees, suppliers and for property belonging to others. Shop insurance should be a top priority for any shop to protect against the unexpected, but finding time to get the right cover for your business can sometimes be a challenge.

That’s why we compare quotes from some of the UK’s most trusted insurers to find you the cover that is right for your shop. As every retailer is different, we can arrange specific covers that protect your shop and its business activities.

So whether you’re looking for grocery store insurance, newsagent insurance, clothes shop insurance or gift shop insurance, we can help. It’s simple to get multiple quotes in a few minutes online if you know what you need and don't require any advice, however if you're not sure what you need call to speak to our expert shop insurance advisors today. They’re on hand to offer support, provide advice, professional recommendations and arrange a shop insurance policy that meets all your needs.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Protect your business online
    It's simple and hassle free
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.6/5 based on 192 Feefo reviews

Get your personalised quotes for shop insurance, tailored to your business needs:

Get quotes now

For shop insurance advice, call:
Request a call back

Retail insurance for shops

Business insurance for shops covers shops located in all locations, whether that be on the high street, a market stall, retail park or shopping centre. If you are considering shop insurance for your retail business, you will have a number of responsibilities to your customers, employees and suppliers, so ensure you protect your shop with the right cover.

What does shop insurance cover?

Typically a shop insurance policy will cover:

Loss of profit should you be unable to trade

Damage to your shop-front and glass

Theft or attempted theft of money

Loss or damage to your stock

Employee compensation claims following an injury or illness

Claims made by members of the public who visit your shop

Protection for your premises

Key shop insurance covers in detail

Shop insurance buildings and contents cover

Your trade will determine covers that are most relevant to you. Your buildings, equipment and stock will need covering, or you may just want shop contents insurance if you are leasing your premises. There are a number of other covers to consider when placing your commercial shop insurance. For example, if you own a convenience store, you may be selling alcohol, in which case loss of licence cover could be an important part of your business insurance. On the other hand, if you were a florist, then automatic seasonal increase cover for stock you may hold for specific calendar events should be considered.

Liability insurance for shops

With members of the public and suppliers regularly visiting your premises, public liability cover is essential. Accidents can happen when you least expect, no matter how careful you are. Having cover in place to safeguard against these unforeseen events is a crucial part of your business continuity. If someone tripped over and sustained an injury, you may be liable to pay compensation. Public liability insurance can take care of this for you.

As an employer, even if you only have part time staff, you are legally required to insure against any accidents your staff may sustain whilst working for you. Both employers' liability and public liability cover are typically combined to form part of a shop insurance package, designed to protect you against a host of possibilities that could have a financial impact on your business.

Business interruption insurance for shops

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.

Shop insurance FAQ

Choosing Premierline to arrange your shop insurance

After many years of arranging shop insurance, we understand the types of risks businesses face on a daily basis. This experience allows us to source the covers you need to protect your business.

It’s simple to get competitive shop insurance quotes online for your business if you know your insurance requirements. However, if you need advice on the level of cover you need, call us and we’ll be happy to help you make the right decisions for your retailer insurance.


As a customer you'll get exclusive access to our Business Toolkit with resources from the experts and our Retail Rewards with discounts on big name brands.

Get your personalised quotes for shop insurance, tailored to your business needs:

Get quotes now

For shop insurance advice, call:
Request a call back

"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)