Insurance for Shops
& Retail businesses.  

Shops and retail businesses typically have specific insurance needs to protect their assets, employees, and customers. The insurance covers may vary based on factors such as the size of the business, location and industry-specific risks.

  • We can evaluate your current covers and policy limits
  • Recommend covers to adequately protect your business
  • Compare quotes from multiple insurance companies
  • Advice on cost-saving strategies
  • Provide ongoing support


  • High Street Shops
  • Boutiques
  • Department Stores
  • Supermarkets and Grocery Stores
  • Convenience Stores
  • Pharmacies
  • Electronics Stores
  • Furniture Stores
  • Jewellery Stores
  • Gift Shops
  • DIY and Hardware Store
  • Sporting Goods Stores
  • Antique Stores
  • Toy Stores
  • Bookstores
  • Health and Nutrition Stores
  • Pet Stores
  • Flower Shops and Florists
  • Optical Stores
  • Mobile Phone and Electronics Repair Shops
  • Arts and Crafts Store
  • Shoe Stores
  • Beauty Shops and Salons: Beauty Salons, Nail Parlours, Hairdressers, Tanning Salons, Make up Artists.

insurance options for shops and retail businesses:

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.

Cyber Liability Insurance

In the digital age, data breaches and cyber-attacks are a significant concern for retailers. Cyber liability insurance can provide cover for expenses related to data breaches, including customer notification, credit monitoring, and legal fees.

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.

Your insurance needs may vary depending on your specific trade, business structure, and location.
Contact us to assess your needs and we will find suitable covers for your trade business.

Contact us