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Compare shop insurance

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 trusted insurers to find you the cover that is right for your business. 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 advisors. 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 4.7/5 based on 356 Feefo reviews

Start your insurance quote:

For advice:   
Request a call back

Business Insurance for shops

Business insurance for shops covers high street retail outlets, and businesses based in shopping centres. If you are considering shop insurance for your business, you will have a number of responsibilities to your customers, employees and suppliers, so ensure you protect your shop with the right cover.

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 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.

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.

Shop insurance brokers

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.

Add 24/7
Business Emergency
cover for less than £79

Protect your business, minimise disruption and save money on emergency repairs.

Find out more

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 shop insurance customers paid less than £247 between April 2018 to April 2019.

Start your insurance quote:

For advice:   
Request a call back

"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)