Shop Insurance

We understand what matters to your business

Existing customer?

We give you more

  • Public Liability included as standard
  • Interest-free monthly instalments
  • Freephone 24 hr legal, health & safety & claims helpline

Our Shop Insurance was designed with retail outlet, Shops and pub & restaurant owners in mind, where your:

  • Total contents and buildings cover doesn’t need to go over £2.5m
  • Overall stock and contents doesn’t exceed £500,000

We understand what matters to your business, so that’s why we include:

  • 0% interest on monthly payments (Option to spread your insurance premium over the whole year, at no extra cost.)
  • £500,000 business interruption insurance as standard to protect your gross profit over a 24 month period
  • Seasonal stock increase as standard
  • Replacement as new on your contents, equipment and fixtures & fittings
  • Support and advice line available 24/7
  • Public & Product Liability Insurance £2m as standard and optional increase up to £5m available
  • Employer’s Liability insurance £10m as standard
  • Goods in transit insurance up to £2,500 in any vehicle owned or operated by the insured and at exhibitions
  • Cover for cash kept on the premises or in transit during working hours up to £4,000

Here are a few examples of the type of insurance we offer: Hairdressers Insurance, Beauty Salon Insurance, Hotels & Guest Houses Insurance, Pubs, and there are many more.

0% APR if you prefer to pay monthly to spread the cost

Policy Includes

  • Protection and ReplacementProtection against the major threats to your business including fire, flood, burst pipes, vandalism and theft

    Replacement as new for contents, equipment & fixtures and fittings up to the amount specified by you in your policy
  • Business Interruption CoverBusiness interruption cover is automatically included as standard up to £500,000 offering protection against your loss of gross profit following an insured incident such as a fire or a flood - giving you long term peace of mind
  • Free Seasonal Stock IncreaseChoose up to 4 months of the year in which you will receive 50% seasonal stock increase at no extra cost
Download policy wording PDF File (1.3MB) Get Adobe Reader
  • Public Liability and Legal Expenses CoveredPublic Liability - up to £5m and Employers' Liability of £10m automatically included

    Optional Legal Expenses - if you are sued by a member of the public, a customer or employee following an accident for which you are legally liable, we cover court damages and legal costs
  • Business Support and AdviceOur product provides telephone support FREE for professional help on legal matters, health and safety issues and stress counselling

    During working hours, our experts can help you with answers to VAT and PAYE related matters or any other tax query you may have
Get a Shop Insurance Quote Retrieve a Quote

Our Shop Insurance was designed with retail outlet,
Shops and pub & restaurant owners in mind

Existing customer?

Make a Claim

0330 102 4098
  • Call our Claims Helpline 24 hours a day, 365 days a year.
  • We will do everything we can to help make your claim as straightforward as possible.
  • Have your policy number to hand to help us get your claim sorted out as soon as possible to minimise loss of earnings.
32k Over 32,000 small businesses
covered by us

Change Policy Details

0330 102 4501
  • The cover you buy is individual to you and your business, and is right for your situation at the time you buy it.
  • A change in any of your details could affect your policy.
  • Have your shop insurance policy number ready to help us update your policy as quickly as possible.
104 Business Insurance issues
resolved every day in our
UK based call centres

Download Policy Wording

  • In-depth information on all aspects of your policy.
  • Please do read it now, and call our Customer Managers on 0330 102 4508 if you have any questions.
We understand what matters to your business

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