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Shop Insurance Home
UK SHOP INSURANCE - Retail commercial insurance cover for retailers and shops
Don't let anything unforeseen interrupt your shop trading!
Public and Product Liability for shops
Covers your liability against claims from the public while attending your shop. The levels of cover can vary depending on your needs and you should discuss these with the shop insurance broker. Public Liability is usually a compulsory element of an basic shop package insurance policy.
Property Insurance for Shops
Covers your shop property as buildings and contents insurance. The premium is usually dependent upon the value of the property to be covered. The levels of cover can vary depending on your shop needs and you should discuss these with the shop insurance specialist.
Employers Liability for Shopkeepers
Required by law, this covers you as the owner or proprietor against any claims from any staff that you might employ in your shop. The premium tends to be in relation to the number of staff which you employ for the shop.
The levels of employers liability cover can vary depending on your needs and you should discuss these with the specialist shop insurance broker.

Employers, public and product liability - shop premises and property buildings and contents insurance including material damage to stock - goods in transit cover - money cover - freezer cover - glass and lock cover - business interruption insurance - legal expenses cover and a wide range of other commercial insurance covers to suit your particular shop insurance needs. A 24 hour claims helpline is available with free legal advice and assistance for locks and glass replacement.

What is Shop Insurance?

Shop Buildings and contents are covered against most forms of accidental loss or damage including theft, malicious damage or riot, fire, lightning, explosion, burst water pipes, storms and flooding. Extensions to Shop contents insurance include freezer cover. Glass and lock replacement are usuallly offered as part of the basic cover.

Business interuption cover is a basic shop policy extension which provides cover for loss of income due to inability to trade in the event of any claim under your Shop Buildings and Contents policy, including additional expenses necessary to keep your shop in business whilst repa\irs are carried out.

Employers’ liability is compulsory for shopkeepers Public Liability protects you and your customers and up to higher limits are available
Legal expenses cover for the costs incurred against a range of potential legal actions
Goods in transit cover, covers your goods during transit by road or rail with the exception of boats.

Cover explained
Shop insurance covers include the following.
Click on a cover to read more about USA shop insurance:
Shops public liability insurance and retail employers liability insurance cover
Shop property insurance cover
Other shop insurance covers and policy extensions available
Cheaper Retail Insurance from one of the UK's leading specialist shop insurance schemes
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