Shop Insurance

Shop insurance can protect a shop against a variety of things. Theft and loss of stock in addition to damage to equipment are common areas that need cover.
Other areas to consider include claims and legal costs that arise if a customer injures themselves whilst on your premises. Shop insurance can also include employers’ liability insurance, which is a legal requirement if you employ staff. It can protect your shop against claims if an employee becomes unwell or is injured as a result of working at your shop.

Type of Insurance Cover

There are few of different types of insurance if you own a shop.

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Buildings Insurance

If you own the building where your shop is located, you’ll need buildings insurance. This usually covers the cost of repairs to a building or even a rebuild if required.

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Contents Insurance

If you have stock in your shop, contents insurance could protect you against theft or damage. It can also cover furnishings and other business equipment you may have on site.

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Public liability Insurance

If there is an injury at your shop or somebody's property is damaged, you can claim to cover any compensation due to them, or any legal costs if they decide to take you to court.

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Employers’ liability Insurance

If you employ any staff, you are legally required to have this insurance. It protects you if your employees are injured or become sick as a result of working for you.

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Business Interruption Insurance

If you are unable to trade for a period because of circumstances such as sickness or a fire or flood, Business interruption cover will help protect you against lost sales and costs incurred whilst you get back up and running again.

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Frequently Asked Questions

There are a number of things to consider. If you have stock on the premises, you will need protecting against theft and damage. You’ll also need to consider cover to protect against claims from staff or members of the public in the shop. It’s also worth considering the implications of what would happen if you had to close the shop for a period.

  • Current shop insurance policy documents
  • The rebuild value of your shop (if you own it)
  • The level of cover you need
  • Contents value (including stock)

It is cheaper to pay for insurance annually. If paying monthly, we use an external company, Premium Credit, which pay the insurance and then charge you over a 10 month period adding on approximately 9% interest.

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