Shop insurance, tailored to your business

Insurance for shops can be quite complex, as it covers a variety of risks. Because you are in personal contact with customers and suppliers, public liability insurance should be a priority. However, there are a few other equally important shop insurance covers to consider as well.

To help you choose the right covers for your business, we’ve made our quote form simple to use and our buying process easy to understand.

Buying shop insurance with Simply Business

1. Build your ideal policy using our simple form
2. Compare quotes from a range of trusted insurers
3. Choose a quote and buy your policy online
4. Speak to our UK insurance team if you get stuck
5. Access your documents online instantly

Building your shop insurance policy

Our quote form helps you to choose the right covers for your restaurant and build them into a policy tailored to your requirements. These core insurance covers should help you get started:

Public liability insurance – will cover the cost of a claim if a customer or member of the public is injured or killed, or if their property is damaged while on your premises. For example, if a spill hasn’t been dealt with correctly, and a customers slips and is injured as a result, they could claim compensation. Your policy would cover the cost on behalf of your shop.

Employers’ liability insurance – if you employ staff, you are legally required to have employers’ liability insurance. It will pay the cost of a claim from an employee who has been injured at work, or who has become seriously ill as a result of working for you.

Use our covers box to find out which optional restaurant insurance covers are available.

Details to look out for

• Check the policy documents before you buy for exclusions and excess.
• Check whether you need buildings insurance. If you rent your premises, your landlord may take care of this already.
• Be aware of the difference between contents cover and fixtures and fittings cover – you may need both as they insure different types of items within your premises.
• Insure stock at the cost price and not the retail price.