Why choose retail and shop insurance?

If you're a specialist independent retailer in the UK, we have insurance tailored to you. We offer a flexible approach to provide complete cover that best suits your business. We also have a fast and fair claims service to minimise any interruption to your business.

What cover does our retail and shop insurance provide?

You'll be covered for public and products liability and contents with many more optional covers available so you only pay for what you need.

We cover claims for:

• loss of or damage to the contents of your shop, including your stock, fixtures and fittings
• theft of business funds from your shop, from employees’ homes or while in transit
• injury to customers or damage to their property following an accident in your shop
• injury to customers or damage to their property due to faulty products you sold.
• Our retail and shop insurance policies come complete with public and products liability cover. In retail, public
• liability insurance covers you if someone is injured by your products or while visiting your shop or workplace.
• For example, if you were to inadvertently sell a nut-free cake that contained nuts.

If you own a shop or retail business, insurance also includes cover for accusations of libel or slander against you or if you accidentally breach someone's intellectual property rights. If this happens, we will pay any compensation on your behalf as well as the costs of defending the claim against you. Contents insurance is another core cover of our retail and shop insurance policies. This protects your stock if it is stolen or damaged, for example due to a fire on your premises. If this happens, we will increase the amount your stock is insured for to its value at your busiest period, without you having to tell us.

Expert insurance for your shop

When it comes to insurance, your shop comes with a unique set of needs and risks. That doesn’t mean finding the right shop insurance policy should be time-consuming or complex. For a start, we’d recommend putting public liability insurance at the top of your priorities, as you’re likely to be in close touch with suppliers and the general public. You can then choose additional specialist covers to tailor your policy and suit your own requirements. For example, you can add business contents and buildings insurance to protect your premises, or employers’ liability insurance, if you employ people.

Cover your online trade

Selling products online? We can cover you for that too with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

Compare shop insurance quotes

With Simply Business you can compare multiple quotes from a range of leading insurers and get a tailored shop insurance quote online in just a few minutes. It’s quick, easy and specific.