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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 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.
Cover your online trade
Selling products online? We can cover you for that now 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.Compare quotes
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.
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.
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.
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.