Shop Insurance | Insurance For Retailers | Store Insurance

We're here to help


Independent service from your local insurance specialists

Need a shop insurance quote?  Let the independent specialists at your local Coversure compare their markets to find you quality shop insurance protection.  Your local Coversure office can offer you a comprehensive range of covers that protects retail businesses, so start your quote today.

Service comes first at Coversure, and as the following feefo testimonials show, we’re the team you can trust with your business

Average Customer Rating:

Independent service rating based on 1156 reviews

What is Shop Insurance?

Shop insurance offers retail businesses protection against various risks and potential claims. These include:
  • Claims from members of the public who’ve been hurt while in your store
  • Employees who’ve been injured or experienced loss while at work
  • Loss of stock
  • Damage to your building and its contents.

How to Save on Shop Insurance

No matter what kind of shop you are running – be it a deli or a hardware store – there are ways you can save on your cost of cover.  At Coversure, we’re committed to finding our clients great quality cover for a good value premium, and to help you do that, here are a few insider’s tips on saving on your shop policy:

  • Get the right advice – many shop policies come with add-ons you don’t want or don’t need and checking for these and removing them can help you save money. You also want to make sure you are not over or underinsured.  If you are underinsured and need to make a claim, the insurer may not pay the claimed amount, which could cost you dearly.  Similarly, if you are over-insured, you may be paying a higher premium, so getting the correct level of cover can save you money.
  • Increase your security – increased security measures can save you money on your insurance and decrease the chances of something happening to your business. Having security installed – such as CCTV, deadlocks, and window grills – can help reduce the chances of your shop being broken into.  By lowering the risk of a claim, you can lower your premiums
  • Improve your cyber security – criminals are increasingly going online to commit crimes. Retailers, especially those running clicks and mortar operations with a website and a shop, are particular targets.  To reduce the risk of a successful attack:
  • Keep your devices updated – Windows and iOS updates may be inconvenient, but they are essential, so when they come up, install them
  • Keep virus security updated
  • Make sure your Wi-Fi is secure – allowing customers to use your Wi-Fi is good for business, but make sure it’s properly secured
  • Complete regular safety checks – doing regular safety checks can help lower the chances of you needing to make a claim. For example, if an old shelf falls and injures a customer, you may need to claim on your liability policy, but regular safety checks could allow you to see the damaged shelf and replace it before it results in an injury

What can Shop Insurance cover?

Shop insurance through your local Coversure office is extremely flexible and can offer comprehensive protection on a single policy.  Whether you have a shop, a café, a showroom, a bakery, or some other retail business, Coversure can help you find a great value policy.  Thanks to our close relationships with a range of leading providers, we can offer you a package of protection that allows you to cover multiple risks on a single policy* that can include:


The risk of flooding has become an issue for tens of thousands of retailers, according to the Federation of Small Businesses.  If your shop is in a flood-risk area, talk to your local Coversure office about flood insurance.

Frozen Stock

The contents of freezers can add up to thousands of pounds; should they fail, it could prove costly.  An excellent way to protect yourself from this type of loss is to add on an optional frozen stock cover

High-Risk Stock

If your shop sells or deals in high-value goods – electronics, designer clothes, antiques, etc. – you may need high-risk cover. Many standard policies exclude this kind of risk, so when you request your shop insurance quote, ask us about high-risk stock cover options

Business Buildings Insurance

If you own the premises you trade from, you’ll want to include business buildings insurance in your shop policy.  That way, if it’s damaged or even destroyed, you’ll be able to claim for repairs or rebuilding

Loss of licence

Should you lose your licence to sell alcohol, this policy element could help reimburse you for loss of revenue and product value, so long as the loss wasn’t due to misconduct

Legal Expenses

This is another important policy element given the legal of regulations and responsibilities you hold. Legal expenses can cover:

  • Services occupancy issues
  • Contract Disputes- relating to the sale, hire or purchase of goods.
  • Defence against criminal prosecutions brought by the police, the Health & Safety Executive and/or Local Authority Health & Safety Enforcement Officer
  • Bodily Injury to you and your employees’ legal rights
  • Tax & VAT in respect of any enquiry by HMRC
  • Statutory licence protection

Cyber insurance

Cyber-attacks are dangerous, potentially costly, and on the rise. 39% of U.K. firms experienced a security breach, cyber-attacks are up 10% on 2021, with 93% of large organisations have been targeted, according to The Department for Business, Innovation and Skills**. Today, cyber insurance can be considered as essential as protecting your stock or employees. Cyber insurance allows you to remain protected from the costs of ransomware attacks, data loss, reputational damage, and more.


Goods in Transit

If you deliver goods to your customers, then goods in transit insurance is a good policy element to have in place.  This will protect the stock you are travelling with from theft, loss, or damage while you, or your drivers and their deliveries, are on the road

Personal Accident

This will protect you should someone be involved in an accident at work.  It will pay out in the event of death, bodily injury, or disablement.  The compensation provided can pay for temporary staff or cover the overtime cost for other team members

Business Interruption

If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress

Stock Cover

If you run a shop, pub or restaurant, distributor, or manufacturing plant, you’ll want stock cover to protect your goods – particularly if your stock is expensive items like technology, art, or alcohol or is frozen meat, fresh veg, or anything in between.  Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen. Stock cover protects your supplies in the event of storm damage, flood, fire, or theft—a crucial policy element given how expensive your stock can be

Product liability

Did you know that if the products you use, recommend, or sell cause problems, you can be liable for damages? Products are central to your business, and if something goes wrong, you can be liable for claims and compensation.  Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees

Employers’ liability

This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

  • Cover you for at least £5 million
  • Be with an authorised insurer
  • And employers must provide a safe working environment

Public Liability

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.

How much does Shop Insurance cost?

That will depend on several factors, including:

  • Its location
  • The type of business you are running
  • The risk of flooding
  • The value of your stock
  • The type of stock you have
  • The hours you are open
  • The security you have – burglar alarms, window grills, and not leaving money on the premises overnight can all help bring premiums down
  • The number of employees you have
  • Your claims history

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Shop cover for you.

Shop Insurance FAQ

Shop insurance can be a complex matter, so to help you get the cover you need, here are the answers to some frequently asked questions:

While it’s not a legal requirement, running a retail business without shop insurance could prove costly.  Insuring against a wide range of risks on a single policy makes having it a good idea.  You will need employers’ liability insurance by law if you have employees.

That will depend on several factors, including:

  • Its location
  • The type of business you are running
  • The risk of flooding
  • The value of your stock
  • The type of stock you have
  • The hours you are open
  • The security you have – burglar alarms, window grills, and not leaving money on the premises overnight can all help bring premiums down
  • The number of employees you have
  • Your claims history

If you’d like some friendly independent advice on getting the shop insurance that’s right for you, then talk to your local Coversure office.

That will depend on your circumstances.  At Coversure, we believe in building protection packages around our clients’ needs, so we’ll look at your business with you and find you the high-quality protection you need without recommending elements you don’t need

Even if you run your shop exclusively online, having shop insurance in place would be a good idea.  While you won’t need buildings and contents cover, you will need to protect your stock and employees if you have any, and obviously, cyber insurance would be worth having too

Need a Shop Insurance quote?

If you’d like a Shop Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Business Interruption

Goods In Transit

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

We're here to help