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Insurance for Shops, salons
& other Retail businesses.

Shops and retail businesses have specific insurance needs to protect physical assets, employees, and customers.

The insurance covers may vary based on factors such as the size of the business, location and industry-specific risks.

VARIETY OF BUSINESSES
WE CAN PROTECT

Grocery Stores
High Street Shops
Boutiques
Department Stores
Convenience Stores
Pharmacies
Electronics Stores

Toy Stores
Bookstores
Nutrition Stores
Pet Stores
Florists
Optical Stores
Electronics Repair Shops

Furniture Stores
Jewellery Stores
Gift Shops
DIY and Hardware Store
Sporting Goods Stores
Antique Stores
Department Stores

Crafts Store
Shoe Stores
Beauty Shops
Hairdressers
Nail Parlours
Tanning Salons
Make up Artists

Typical insurance covers we can tailor for your business:

Public Liability Insurance

Liability insurance provides cover for claims of bodily injury or property damage caused to third parties (customers, suppliers, or visitors) as a result of your business operations. It can also cover legal fees and medical expenses associated with such claims.

Product Liability Insurance

If you sell products, product liability insurance is crucial. It provides cover in case a product you sell causes harm or injury to a customer. This insurance can help cover legal defence costs, settlements, or judgments.

Employer’s liability insurance

If you have employees, workers’ compensation insurance is typically required by law. It provides cover for medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill while performing work-related duties.

Property Insurance

This cover protects the physical assets of your business, including the building, inventory, equipment, and fixtures against risks such as fire, theft, vandalism, or natural disasters.

Business Interruption Insurance

This cover protects your business against income loss and additional expenses that may arise if your shop is temporarily unable to operate due to a covered event (e.g., fire, flood, or other insured perils). It can help cover ongoing expenses, such as payroll and rent, during the downtime.

Commercial Vehicle Insurance

If your shop utilises vehicles for business purposes, commercial vehicle insurance is necessary. It provides cover for vehicles used by your business for accidents, liability, and physical damage.

Legal Expenses Insurance

This type of insurance can cover legal fees in case of disputes, lawsuits, or other legal challenges. Some insurer offer this cover as part of a package, in some cases come as an additional option.

FILL OUT THE FORM BELOW TO GET A QUOTE

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Contact name

Position held within the business

Phone number

Correspondence address (If it is different from the address being insured)

Insurance renewal date:

Current insurer:

Premium:

Business Name:

Trading name:

Status of entity:

Company registration number:

If applicable

How many Directors and/or Partners the business has in total?

1) Full name / Date of Birth / Position within the company:

2) Full name / Date of Birth / Position within the company:

3) Full name / Date of Birth / Position within the company:

4) Full name / Date of Birth / Position within the company:

Business Trade description:

Date business established:

Select any of the following that apply to any Director or Partner of the Trade or Business or its Subsidiary Companies if they have ever:

had any convictions or criminal offences which are not spent under the Rehabilitation of Offenders Act or have any prosecutions pending
been declared bankrupt or insolvent or been the subject of bankruptcy proceeding or insolvency proceeding
been served with prohibition or improvement order under health and safety regulation
been the subject of a recovery action by Customs and Excise or the Inland Revenue
been disqualified from holding company directorship
had CCJ's and/or Sheriff Court Decrees
Not applicable

Select any of the following that apply to any Director or Partner of the Trade or Business or its Subsidiary Companies if they have ever:

had insurance cancelled
had a renewal refused
had a proposal refused or declined
had special insurance terms imposed
Not applicable

Does the business have any employees?

Total number of employees:

Employer PAYE No:

Estimated Wageroll (next twelve months)

Are any employees paid below PAYE threshold?

(inc. LOSC, trainees, apprentices)

Does the business carry out any treatments?

Please list all the treatments that the business carry out:

Please state N/A if not applicable

Please specify the number of qualified staff for each treatment:

Please state N/A if not applicable

Estimated Business Turnover (next twelve months)

Percentage of turnover derived from second hand goods?

If applicable

Business address to be insured: (Property Name, Building Number, Street Name, Town, Post Code)

Does the business also own the building?

Date of purchase:

Property Ownership Name:

Land Registry Title

Business hours:

Are there any other occupants that use the premises?

Please specify tenants types

Is the business self-contained with its own means of access?

Is the property in area with history of flooding?

Is the property of non-standard construction?

[walls not built only of brick, stone, concrete or roofed only with slates, tiles or concrete]

Is there an ATM on the premises?

Is the premises in a good state of repair and free from damage?

Is the property a listed building?

Please specify listing grade:

Number of storeys where floor is of concrete construction

Number of storeys where floor is of wooden construction

What materials are the property walls made of?

Please provide percentage split, if the walls are made of more than one material

What materials is the property roof made of?

Please provide percentage split, if the roof is made of more than one material

Is there an area of roofing flat?

Please state the approximate percentage of the roof being flat?

Heating and fuel type:

Please select all risk management features that you use for this property:

Wired Fire Alarm
Intruder Alarm
Sprinklers
Other
None

Is the intruder alarm maintained by accredited company?

What type of signalling your alarm has?

Redcare
Digicom
Bells only
Other

Accreditation of intruder alarm:

Is the alarm connected to the Police response?

Please specify other risk management features:

Are your sprinklers maintained by Loss Prevention Certification Board approved company?

Sprinklers accreditation details:

Please specify type of door locks

Please specify type of window locks

What type of other Security Aids does the business use?

Private CCTV
Other monitored CCTV
Town Centre / Local Authority CCTV
Access Control
Shutters
Window bars
Guard dogs
Security Patrols
No additional aids
Proposer/family members or employees living above

Do you have 30 days of more recording facilities on the private CCTV?

What is the estimated total value of the building? (Including fixed glass, landlords' fixtures/fitting)

Estimated value of the Business Fixtures and Fittings

Estimated value of the Electrical Equipment

Estimated value of the Business Stock

If applicable, please exclude: Wines, Spirits, Tobacco and Cigarettes

Estimated value of the Business Frozen Stock

Estimated value of the Tenant Improvement

Estimated value of the Shop or Salon Front

Does the business sell any Tobacco, Cigarettes, Wines or Spirits?

Estimated value of Wines and Spirits

Estimated value of Tobacco and Cigarettes

Does the business keep any money in Safe or Strongroom on the premises?

Please provide the Safe Make - Model - How is it secured?

Have you had any insurance claims within the last 5 years?

Please provide: The date of the claim, Cause of the Claim, The Claim Amount & the Outcome:

Any addition information?

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© 2024 Prestige Insurance Brokers (UK) Limited - Appointed Representative of TEn Insurance Services Ltd, trading as Eleven, which is authorised and regulated by the Financial Conduct Authority (FRN 314593)

Insurance for Shops, salons & other Retail businesses.

VARIETY OF BUSINESSES WE CAN PROTECT

Typical insurance covers we can tailor for your business:

FILL OUT THE FORM BELOW TO GET A QUOTE

Insurance for Shops, salons
& other Retail businesses.

VARIETY OF BUSINESSES
WE CAN PROTECT