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When it comes to insurance, your shop comes with a unique set of needs and risks. That doesn’t mean finding the right shop insurance policy should be time-consuming or complex. For a start, we’d recommend putting public liability insurance at the top of your priorities, as you’re likely to be in close touch with suppliers and the general public.
You can then choose additional specialist covers to tailor your policy and suit your own requirements. For example, you can add business contents and buildings insurance to protect your premises, or employers’ liability insurance, if you employ people.
Selling products online? We can cover you for that too with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.
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The insurance you need depends on your business and the risks you want to cover, but these are some of the most popular options for shops:
Public liability insurance is often a very important cover for 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.
With business premises insurance, you can insure your shop buildings against damage from unexpected crises, such as fire and flood. If you rent your business space, you’re unlikely to need buildings insurance – but contact your commercial landlord to make sure.
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.
Business interruption insurance is also popular with shops, as it can cover the consequential loss of income you may experience as a result of an unexpected event you’re insured against.
It’s very important to make sure you understand what you need from your shop insurance. Use the check points below to get you thinking.
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.