Shop insurance

Quick, easy and specific. Compare and buy today.

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

Trusted by over 400,000 customers

Insuring businesses & landlords for over a decade

Satisfaction score of 9/10

For public liability insurance

Award-winning claims team

With a UK team available 24/7

Expert cover for your shop

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.

Cover your online trade

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.

Compare shop insurance quotes

With Simply Business you can compare multiple quotes from a range of leading insurers and get a tailored shop insurance quote online in just a few minutes. It’s quick, easy and specific.

Compare quotes

What insurance do I need for a shop?

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 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.

Shop premises insurance

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.

Other business insurance for shops

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.

Additional covers for shops include stock cover, business contents insurance and business equipment insurance.

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.

Shop cover details

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.

  • Do you need buildings insurance? If you rent your premises, your landlord may take care of this already
  • Make sure you know the difference between contents insurance and fixtures and fittings cover – these insure different types of items
  • Insure your stock at the cost price, not the retail price
  • Check the policy documents for exclusions and excesses so you know exactly where you stand with your policy

Need more tailored retail insurance? We insure 98% of shop and retail types, such as supermarkets, market traders, crafters, launderettes and many more. Just use our trade selector or give us a call.

Customer reviews

Our rating

Customer review

4.55 /5

Working out our score

Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist. For more details on how this works, click below.

Read our reviews

Customer testimonials

“Excellent, personalised, prompt response to my unusual requirements. Problem solved in no time, confirmed immediately by email - extremely pleasant manner and tone”

J Peters, IT Consultant

What our customers are saying

We’re proud of the reviews and ratings we receive from our customers. It’s this feedback that helps us keep on improving our services and options, so drop us a line and tell us what you think.

Contact us