Retail Shop Insurance

Providing all the cover that a retail outlet could need, under one policy.

If you own a shop or retail store then Commercial Shop Insurance is essential for you and your business.

Shop Insurance can protect you against a multitude of risks that shop owners face from damaged or stolen stock to a customer falling and having an accident on the shop floor. 

Shop Insurance is designed to provide all the necessary cover that a retail outlet could need, all under one policy. Whether you run an independent newsagent, a boutique jewellers or run a chain of stores, protecting your business assets including stock, equipment and your building as well as covering your staff, should be a priority.

At Ellis David we can provide cover for a wide variety of retail businesses from high street boutiques to specialist jewellers covering a range of risks. In the event of a claim our team manage the process from beginning to end, keeping you involved every step of the way, so that you can concentrate on running your business.

Get a quote

To discuss your insurance requirements please call us on 020 7354 3881 or email us through our contact page using the link below.

What does Retail Shop Insurance cover?

Public Liability

Provides cover should a member of the public have an accident at your place of work.

This could include slipping over on an unmarked wet floor or tripping over loose carpet in a dressing room.

Employers Liability

A requirement by UK law if you have any employees.

This include employees that are part time, volunteers or even on work experience.

Contents and Stock

Provides cover should any of your stock be stolen or damaged at work.

This could include accidental damage, fire or flood damage or even a break in.

Buildings Cover

Protection for the physical building where you work or store stock, no matter whether rented or owned.

This can include flood or fire damage as well as subsidence.

Who needs Shop Insurance?

If you own a shop or retail store then Commercial Shop Insurance is essential for you and your business. Shop Insurance can protect you against a multitude of risks that shop owners face from damaged or stolen to stock to a customer falling and having an accident on the shop floor.

As a shop owner, you are open to a wide variety of risks, especially if members of the public are to visit you at work. The shop floor can be a busy hazardous place with your stock being stored on high shelves and clothes rails taking up floor space. It’s an easy place for an accident to happen within the hustle and bustle of your shop. Equally, members of your staff may be injured in their line of work, for example carrying heavy boxes to and from a stock room.

Liability claims can be costly with a lot of complicated legal protocol to follow. Having proper insurance in place will protect you and your staff against accidental injury in your shop, allowing you to focus on your work.

While protecting your staff is essential, it’s also important to consider your stock. What you sell is ultimately your business and if you run a boutique or especially an independent high street shop, you may have paid for your stock up front. If any of it were to be damaged rendering it unsellable, or even stolen, this could mean months worth of future income has gone or significantly reduced while your overheads like rent and staff wages will stay the same.

Many small businesses never recover from a setback like a fire or a reputation damaging liability claim but with a fully comprehensive Commercial Shop Insurance Policy your business will be properly protected should an accident strike.

Our team can tailor a policy to suit the exact needs of your business, rather than a one size fits all policy that can leave you open to risks.

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