Shop Insurance
Our specialist shop insurance policies are designed to protect retail businesses of all sizes across the UK. We tailor each policy to your specific operations, ensuring your premises, stock, and income are safeguarded against disruption.
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Call us or complete our online quote form. We’ll collect a few key details about your business.
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We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.
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We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.
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What Is Shop Insurance?
Shop insurance is a dedicated form of business insurance that protects retail premises and their day-to-day operations. It combines multiple types of cover into one flexible policy, tailored for businesses that sell goods directly to the public.
Why Is Shop Insurance Important?
Shops are vulnerable to a range of risks including customer injuries, fire damage, theft, and staff accidents. A single incident could lead to significant financial loss or business closure without adequate protection.
Retail insurance gives you peace of mind that you’re protected against:
- Legal claims from customers or employees
- Damage or theft of stock and contents
- Fire, flood or storm damage to your premises
- Temporary closure and loss of income
- Breakdown of critical business equipment
With tailored cover in place, you can focus on serving your customers and growing your business.
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How Much Does Shop Insurance Cost?
The cost of shop insurance depends on:
- Location and size of the shop
- Type and value of stock held
- Annual turnover
- Security measures in place (e.g. shutters, CCTV, alarms)
- Number of employees
- Previous claims history
We offer competitive quotes through leading UK insurers, with flexible options to suit your budget and cover needs.
Common Risks Faced by Shops
Operating a retail store brings multiple exposures, such as:
- Customers slipping on wet floors
- Shoplifting or break-ins
- Fires caused by electrical faults
- Water damage from burst pipes
- Staff manual handling injuries
- Power failure spoiling refrigerated stock
- Flooding or structural damage from storms
A tailored policy ensures that when the unexpected happens, your business is financially protected.
Why Choose Insurance Revolution
FAQs
Only employers’ liability insurance is often a legal requirement if you employ staff. However, other covers like public liability and stock insurance are strongly recommended.
Yes. You can still cover your contents, stock, liabilities, and improvements made to the premises, even if you don’t own the building.
Yes, we offer shop insurance policies including cover for theft, vandalism, and malicious damage. This applies to both stock and fixtures inside the shop, as well as the building (if covered).
Yes. We can provide multi-location policies for business owners with more than one shop.
Yes. If you operate an e-commerce business alongside your physical shop, you still need comprehensive cover. Your shop insurance can include stock in transit, cyber liability, and protection against customer claims related to online sales.