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Shop
Insurance
Get A Shop Insurance Quote Today!
Here at Coversure we will build your shop insurance policy around what you need, so you know you are protected if something happens. For your comprehensive shop policy, contact your local Coversure office today.
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Shop Insurance Through Coversure:
We've Got Your Business Covered
As someone who runs a shop you will fully understand the pressures you can face on a daily basis, from keeping your store stocked up to making sure you have enough staff in to cope with the work load, either way you can find yourself busy running your business. This is where Coversure can help, we will take care of all your insurance needs and you may save yourself time and money.
We will search our panel of insurers to find the policy that best suits your business, we work with some of the UK's top insurers, household names such as Aviva, Axa and Zurich, so you can be sure you get high-quality cover on top of the great customer service you will receive from your local Coversure office.
Shop Insurance Through Coversure: We Will Shop Around For You
When we were founded in 1986 we wanted to help businesses get the protection they need for less. So far we have helped thousands of shops and businesses get the cover they need, from butchers to supermarkets, we have helped all kinds of shops save money and get the insurance cover they need. We understand your insurance needs, and we can discuss your cover with you to help make sure you don't find yourself incorrectly insured or underinsured. To find out more about what Coversure can offer you, contact your local Coversure office.
Get A Great Value Shop Insurance Quote!
Coversure can make getting the right shop insurance easy, with over 90 offices across the country help is always at hand. To find out more about getting shop insurance through Coversure or for some independent advice, contact your local Coversure office.
Save Money On Your Shop Cover
No matter what kind of shop you run, from a small green grocers to a large supermarket, there are ways you could save on your insurance. Here at Coversure we want you to get high-quality insurance without paying more than you need to, so we have put together some tips that may help you save money on your shop insurance:
1. Get the right cover – while you may think this is straightforward, it isn't always. Some shop policies may come with add-ons you don't know about or don't need, checking for these and having these removed can help you save money. You also want to make sure you are not over or underinsured, if you are underinsured and you need to make a claim the insurer may not pay out the required amount. On top of this if you are over insured you may find yourself paying a higher premium, so getting the correct level of cover can save you money in the long term.
2. Increase your security – increased security measures can actually save you money on your insurance as well as decrease the chance of something happening to your shop. Having security installed, such as CCTV, can help reduce the chance of your shop being broken into, these measures lower the risk and so in turn can lower the amount you pay for shop insurance.
3. Complete regular safety checks – doing regular safety checks can help lower the chance of you needing to make a claim. As an example, if an old shelf falls and injures a customer you may need to claim on your insurance, but regular safety checks will mean you may have noticed the damaged shelf and replaced it before it resulted in the injury.
4. Use an insurance broker – an insurance broker, such as Coversure, has your best interests in mind. They want you to get the cover your business needs without paying more than you need to. An insurance broker can search their panel of insurers to see what is on the market and in some cases they may have access to policies and deals that are not available anywhere else, which could end up saving you money without compromising on cover.
Shop Insurance: All Encompassing Cover
Shop insurance can help provide complete protection for your business, so no matter what your shop sells we can build the policy around what you need. To give you an idea of just some of the cover options that can be included and what they cover, we have put together a short guide below:
- Public liability – Public liability cover is there if your business causes harm to others or another property. As an example, this cover would protect you if a member of the public slips over in your shop and takes legal action against you. Public liability will cover legal fees and compensation if it is needed.
- Employers' Liability – Do you have any employees? If so, even if they are part-time or temporary, it is a legal requirement to have employers' liability cover. This cover will protect you if a member of staff becomes ill, gets injured or their property is damaged while working for your business and decides to take legal action against your business. Just like public liability this cover will help cover legal fees and any compensation that is paid out to the employee.
- Personal Accident Cover - What would happen if you become injured and unable to work? Personal accident cover will protect your income while you are unable to work, this will mean that you won't have to worry about your money after an injury, giving you peace of mind.
- High-Risk Stock Cover – If your shop sells or deals in high-value goods you may need high-risk cover. This will protect you if your deal with high-risk products as some shop policies may not cover goods if they a valued over a certain amount.
- Business Interruption Cover – What happens if your business can't trade? A fire or a flood could stop your business from trading for a long period of time, business interruption cover will protect your business while it is forced to close.
- Cyber Insurance – cyber insurance is quickly becoming a must have insurance policy for all business owners. If you want to know more about cyber insurance and what it can do for your business, you can watch our cyber video by clicking here.
This list could go on and on, as shop is a policy that most businesses will find themselves requiring as time goes on and technology gets more advanced and we have more and more devices connected to the web. If you are concerned as to whether your business may be vulnerable, get in touch with your local Coversure office.
