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.

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

  • Buildings Insurance
  • Contents Insurance
  • Public liability insurance
  • Employee liability insurance
  • Business Interruption insurance

Frequently Asked Questions

What type of cafe insurance do I need?

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.

What details do I need to provide to get a quote?

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)

Should I pay monthly or annually?

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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