Retail Shop Insurance
Protect your shop, your stock, and your livelihood with insurance designed specifically for independent retailers and high-street businesses.
What's Covered
Retail shop insurance combines the essential covers every retailer needs into a single, competitively priced policy.
Stock Cover
Protects your merchandise against fire, flood, storm, theft, and accidental damage — with automatic seasonal stock increases available for peak trading periods.
Contents & Fixtures
Covers shop fittings, display units, shelving, tills, CCTV systems, and other business contents essential to your daily operations.
Plate Glass
Covers the cost of replacing shop-front windows, glass doors, display cabinets, and internal glass partitions following breakage or vandalism.
Public & Product Liability
Protects against claims from customers who are injured on your premises or suffer harm from products you sell, including sale goods.
Business Interruption
Covers lost revenue, ongoing costs, and the expense of temporary premises if an insured event forces your shop to close.
Theft, Money & Flood
Covers theft by break-in, cash on premises and in transit, and damage caused by flooding — a growing risk for many high-street locations.
Cover for Every Type of Retailer
Whether you run a single shop or a small chain, we can tailor your insurance to match the specific risks of your retail sector.
Fashion & Boutiques
Clothing, accessories, and fashion retailers with high-value seasonal stock and regular new collections requiring flexible cover.
Convenience & General Stores
Newsagents, off-licences, and general stores with extended trading hours, chilled goods, and tobacco or alcohol stock.
Gift, Homeware & Specialist
Gift shops, homeware stores, and specialist retailers with fragile, high-value, or hard-to-replace stock requiring careful valuation.
Frequently asked questions
How should I value my stock for insurance purposes?
Your stock sum insured should reflect the maximum value of stock held at any one time, including seasonal peaks such as Christmas or sale periods. Stock is typically insured at cost price (what you paid for it), not retail price. We can arrange index-linked cover that adjusts automatically, or you can set a fixed sum and review it regularly.
How long should my business interruption cover last?
The indemnity period determines how long your policy will pay out after an insured event. Most retailers choose 12 or 24 months, but the right period depends on how long it would take to fully reinstate your premises and rebuild your trade. A longer period provides greater protection but costs more.
Does shop insurance cover online sales?
Standard shop insurance focuses on your physical premises and in-store operations. If you also sell online, you should ensure your policy extends to cover stock held for online orders, goods in transit to customers, product liability for items sold online, and cyber liability for your e-commerce platform.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.