Shop insurance

Get tailored quotes in 7 minutes

  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare tailored shop insurance quotes from trusted brands

Why do you need shop insurance?

From locking up at night to taking your business online, shops face a unique set of risks. It sounds unlikely, but accidents hit hundreds of businesses every day, and the average shop public liability claim can cost thousands. Our cover works hard to protect the business you’ve built, letting you focus on the products, not the what-ifs.

  • shop liability insurance including cover for the public and your products
  • rated 4.8/5 based on 39K+ public liability customer reviews
  • claims paid in 24 hours for 80% of settled claims


What does shop insurance cover?

Your shop insurance quote usually starts with public and product liability (built to cover damage and injuries), plus employers’ liability for team members. It’s a legal requirement for most UK employers. We can add shop contents insurance cover in too – a priority for lots of our shop customers – and other commercial shop insurance options.

How much does shop insurance cost?

Find out how much you’ll pay by comparing prices for shop insurance from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

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Example shop insurance quotes, real prices

How it works

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Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

Chosen by nearly 1 million small businesses and landlords

Shop insurance FAQs

Whether you’re new to buying insurance for retail shops or you’ve been trading for a while, here are the answers to some commonly asked questions about shop public liability insurance, plus other popular covers. You can also check out our business insurance FAQs.

Public and product liability insurance is often an important cover for shops – it’s designed to protect you if someone is injured or suffers an illness, or their property is damaged, because of your retail business.

Are you hiring staff? If so, you’re usually required by law to take out employer’s liability insurance, even if it’s for a temporary team member, or seasonal staff. You’ll face fines of up to £2,500 a day for anyone you haven’t covered correctly.

From there, you can pick and choose from other specific protection for your shop’s stock, equipment, fixtures and fittings, and the building(s) you use. Our shop insurance quotes are flexible – you can bundle everything into one policy or go for just one or two covers, depending on what you need.

Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a food and drink retailer, you may also do the odd catering job – you’ll need additional cover for this, but you can have it all on the one policy. If you need to add a second trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

Even if your shop is run as an online business, you’ll still face many of the same risks and claims against you and should consider the cover you may need. As an online retailer, you’ll still have stock that is at risk of damage and theft, and you will still legally require employer’s liability insurance, if you’re responsible for any staff. If something causes your business to close down for a period, business interruption insurance would also be very useful.

You should treat your online business like a regular one, considering all of the potential risks and appropriate cover.

If your shop is in an area which is deemed high risk for flooding, you’ll need to consider the potential impact that may have on any business building and contents insurance you’re looking to protect yourself with.

Many insurance providers may raise their premiums significantly, so contact us directly to discuss the issue – we may be able to cover this. 

Glass cover is normally included on a shop policy as standard. However, you may need to include the shopfront if your lease makes you responsible for damage caused to it. If you have a unique window display or a particularly large proportion of glass on your shop front, speak to the team to make sure it’s covered correctly.

Check your documents and policy details carefully to ensure you understand what cover you actually have, as our insurers offer different limits of shop front cover.


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