Insurance for music shops

What insurance does my music shop need?

Most music shop policies have the following covers in common, although you should consider what your individual business needs.

• Public liability insurance can cover you if a member of the public sues your business for injury or damage. For example if a customer trips on your shop floor and suffers an injury, this insurance could cover the compensation costs and legal fees
• Product liability insurance can cover you if you’re sued for injury or damage caused by a product you sell. Like public liability insurance, this insurance can cover compensation costs and legal fees
• Employers’ liability insurance is usually a legal requirement if you employ anyone. It covers claims made against you by an employee for injury or illness caused by their work
• Stock insurance can pay to repair or replace the things you sell if they’re damaged or stolen
• Business buildings insurance and business contents insurance can help your music shop if it’s damaged by something like fire, flood or burglary

Why Simply Business?

• We’re one of the UK’s biggest business insurance providers
• All settled claims paid within 24 hours
• 9/10 Feefo ratings say we’re good (or excellent)
• 475,000 customers (and counting)
• Claims handled by an award-winning team
• Quote comparisons available from multiple insurers
• We run things from an expert, UK-based contact centre

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.