Insurance for franchise shops

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  • Zurich
  • AXA
  • Hiscox
  • Maltings
  • Covea
  • Ageas
  • UK General
  • AIG

Specialist cover, designed for franchises

Franchise shops face a unique set of risks. You work with the public, and you may work with employees, so it’s important that you have insurance that reflects the reality of your day to day work. With Simply Business you can build a policy that works for you, choosing from a range of key covers. Whether you’re on the shop floor or run things from an office, it’s quick, quality cover, without the hassle.

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What insurance do franchise shops need?

Public liability insurance is often an important cover for franchise shops, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Another important consideration is any specialist tools or equipment you have – including things like computers. Often, work revolves around these essentials, so our business equipment options will help take care of the day to day risks, letting you get on with the job in hand.

Franchise shop insurance policy details

  • Make sure you read your policy documents carefully and that you understand any exclusions that may apply
  • If you rent your shop premises from a commercial landlord, check with them to see if you need your own buildings insurance
  • Contents cover and fixtures and fittings cover insure different types of items within your premises, so check what you need
  • Have you thought about front of premises cover, in case your franchise exterior is damaged?
  • If you employ people, even in your own home, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

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Customer testimonials

“Couldn't fault them, found and offered me the best deal for my business.”

Tina Lake, Carer

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