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When it comes to insurance, your shop is specific, and will carry its own unique 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. Take a look at the list opposite for other covers you may need.Compare quotes
Public liability insurance is important for all trades, in case someone is injured or killed, or their property 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 insurance. Use the check points below to get you thinking.