Shop Insurance Quotes & Cover

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Compare shop insurance with Premierline

We all know accidents can happen, but as a shop owner you have a responsibility to protect your customers, employees, suppliers and their property. Shop insurance should be a top priority for any shop owner to protect against the unexpected.

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 best cover 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 easy to get multiple quotes in just a few minutes online, however if you're not sure what cover your shop needs 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.

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If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.

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Shop insurance cover in detail

What is shop insurance?

Shop insurance is a simple way for UK shops to buy various types of insurance covers. It's an all in one package to protect your shop when something unfortunate happens. Having insurance to protect you financially against accidents, mistakes, theft, damage and legal fees is essential to provide you with peace of mind when running your retail business.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

With members of the public and suppliers regularly visiting your shop, public liability cover is essential. Accidents can happen when you least expect them, 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.

Employers' liability for shops

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

Property covers

Your trade will determine the covers that are most relevant to you. However, protecting a shop's property should be essential for any shop owner. You will have fixtures and fittings, contents and stock, as well as buildings to insure against theft, damage, weather events, and other risks that could affect your trading ability. Alternatively, if you are leasing a premises, you may just require shop contents and stock insurance

Business interruption cover

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 for you, so if your property is damaged following an insured event, your income and expenses would be protected while you get back up and running.

Commercial legal protection

Commercial legal protection can be included in your shop insurance policy to safeguard against employment disputes and awards of compensation. It can also offer protection against tax and VAT disputes and cover you financially if you, your business partners or employees are summoned for jury service.

Product liability cover

You might also want to consider adding product liability cover to your policy. This will typically protect you if anything your shop designs, sells, manufactures or supplies develops a product fault that causes injury to one of your customers or damage to their property.

Shop keeper selling products to a customer

Additional covers

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.

Shop insurance FAQs

Do I need shop insurance?

A shop insurance package is something you should consider and is designed to protect retailers which are premises-based. It’s an important insurance policy as it will provide you with the peace of mind that your premises, stock, employees and customers are protected.

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 and protection for your premises.

What covers do shops need?

At Premierline, we offer flexible shop insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your shop, you should consider the following:

Public liability – for injured shop visitors or damage to their property.
Employers' liability – to protect your shop employees.
Buildings cover – to cover for loss or damage to your shop premises.
Equipment, contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Money cover – for theft or attempted theft.
Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

More information

How much does shop insurance cost?

The cost of your shop insurance will depend on your shop’s activities, what you sell, the location and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope you will never need to call on.

Why choose Premierline to arrange shop insurance?

After many years of arranging shop insurance for shopkeepers and business owners, we understand the types of risks businesses face daily. 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 shop insurance.

What type of shops do Premierline work with?

We can arrange shop insurance for hundreds of different types of shops. Example shops includes clothing shops, shoe shops, book shops, computer shops, mobility shops, convenience stores, jewellery shops, florists, showrooms and many more.

What types of retail locations can you insure?

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

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Shop Insurance Experts

We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”

Household Goods Retailer

Customer since October 2023

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

Don't just take our word for it, read more of our customer testimonials and reviews.

Read our reviews

Speak to a shop insurance expert

Our experts understand the pressure of running your own shop and how time-consuming it can be. That’s why we are committed to finding the right insurance for your shop at the right price and are here to support you for the duration of your insurance policy.