Shop insurance

Quick, easy and specific. Compare and buy today.

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  • Zurich
  • AXA
  • Hiscox
  • Maltings
  • Finsbury
  • Ageas
  • UK General

Expert cover for your shop

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. 

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Building your shop cover

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.

Watch the details

It’s very important to make sure you understand what you need from your insurance. Use the check points below to get you thinking.

  • Check the policy documents before you buy for exclusions and excesses
  • 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

Customer reviews

Our rating

Customer review

4.4 /5

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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.

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Customer testimonials

“Professional, courteous, informative. You really listened to what my insurance needs were.”

Nicola Bramley, Business

What our customers are saying

We value the reviews and ratings we receive from our customers, whether they’re good or bad. We use this feedback to continuously improve how we work with (and for) our customers.

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