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Compare shop insurance online and save. Cover available can include:

  • Excellent levels of cover designed around your shop
  • Stock and contents covered
  • Employers Liability & Public Liability cover
  • Cash on premises and in transit
  • Goods in transit
  • A panel of specialist shop insurance providers
  • No Claims discount

A Guide to Shop Insurance

Whether you are just starting up a business or you are already established, one thing that should be at the very top of your priorities is securing the right level of insurance cover for your shop. Shop insurance will cover you for a wide range of possible situations and can potentially save you from bankruptcy should an unfortunate incident such as a public liability claim arise.

Shop Insurance covers you for four crucial areas:

  • Your premises (covering the property plus and fixtures and fittings)
  • Your stock (whatever products you sell)
  • Customers (in case of accident claims)
  • Employees (for accident claims plus a range of other possible types of cover you may need)

Why Shop Insurance is Important

If your premises and fittings are damaged through flood, fire or malicious damage you will be covered for your repairs. Similarly, your stock will be covered against theft, accidental or malicious damage. Accidents do happen and with shop insurance you will be covered for any potential liability claims from both employees and customers alike. Legal fees can be astronomical so if you want to stay in business, make sure you have covered yourself for this risk.

Depending on the nature of your business, we can tailor the insurance policy to match your specific requirements. For example, if you have frozen food we can arrange cover for deterioration of the food should a problem occur that results in this type of loss.

If your shop is your main source of income then it will be particularly important to you that you have cover for business interruption so that if your shop is unable to open as usual, you will still have an income to cover the bills. Similarly, your employees will be at risk if the shop should be unable to trade for through no fault of their own. Setting up your insurance to cover these possible eventualities will put your mind at rest and reassure your employees.

Whilst it is not compulsory by law to take out shop insurance, it is highly recommended that you do. If your building was heavily damaged, you may not have the financial resource to rebuild and repair and even if you do have the money, I’m sure your preference would be for your insurance company to foot the bill.

Get your Quotes Quickly and Easily

It can be an exhausting experience shopping around for the best type of cover and evaluating which insurance company is most appropriate for your needs. That is why you should shop around around . You can save you some valuable time by comparing insurance from a number of brokers. Just fill in the simple from and wait for the quotes to come to you. Let the brokers do all of the hard work and find you a good quote for your specific circumstances. With competitive quotes from a number of leading insurers it could help you to find the a good deal on your insurance.