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" Thanks to QuoteSearcher I am now fully insured. After looking at all the quotes I received, I chose the right policy for me and was insured more or less straightaway! " Johanna Pena – Surbiton, Surrey
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Shop Insurance

Why Use Quotesearcher

  • Only deal with UK leading insurers
  • One stop solution for all your insurance needs
  • No need to shop around to find the best deal

What is Shop Insurance?

Shop owners face their own set of unique risks, from thieves to flooding, which is why our partners offer specific shop insurance policies to ensure you, your shop, and your stock are properly protected.

Whether you are running a hair salon, a trendy coffee shop, or a local newsagent, we can help you find the right shop insurance policy.

There are 3 main features any shop insurance policy should contain:

  • Buildings and contents insurance – to protect your premises and stock
  • Public liability – to protect your customers
  • Business interruption insurance – to protect your income should you need to stop trading

Do I Need Shop Insurance?

Shop insurance will protect your business regardless of whether your shop is located on the high street or online.

Different shops will require different levels of insurance and different features in their shop insurance policy, however some aspects will apply to all types of shop regardless of what the individual business is.

Some typical examples include

  • Art shops
  • Tailors
  • Florists
  • Barbers
  • Pet Shops

Shop Insurance Policy Features

  • Public liability insurance – by its very nature, a shop will have customers or clients visiting the premises, which increases the chance of an accident occurring. Although public liability insurance is not a legal requirement, it is thoroughly recommended. If a customer does injure themselves and launches a compensation claim, public liability insurance will cover the legal fees associated with the claim and the cost of the claim itself.
  • Employers’ liability insurance – this is a legal requirement for any employer, and the standard level of cover is £5million. Similarly to public liability insurance, this will protect you and your business in the event that an employee is injured or their property damaged whilst on your premises. It covers the costs of any compensation claim brought on by an employee.
  • Contents and stock insurance – shops are, unfortunately, often targets for thieves, whether that is during or outside of trading hours. Contents and stock insurance will cover the interior of your shop, such as fixtures and fittings, and the stock itself. Some higher value items may be excluded from a standard policy, so read everything carefully to ensure you have sufficient cover.
  • Business interruption – your shop provides your income. An unexpected event such as flooding could force you to stop trading, meaning you will not be earning either. Business interruption insurance will cover you in such circumstances
  • Shop building insurance – this will protect your premises in case of any damage. It is worth noting that if you are renting the shop and are not the owner, then it is the landlord who is responsible for arrange shop building insurance.

Shop Insurance Extras

You can tailor your shop insurance policy to suit your unique needs.

Some of the extras people sometimes choose for their shop insurance policy include:

  • Legal cover
  • Glass insurance
  • Money (on and off premises)
  • Loss of license
  • Frozen stock

Make sure your policy reflects your needs, and that you are not left underinsured.

So if you want to get a quote from our range of expert providers, then make sure you fill out an online quote form today!

Why Use Quotesearcher

  • Only deal with UK leading insurers
  • One stop solution for all your insurance needs
  • No need to shop around to find the best deal
  • QuoteSearcher has worked in the insurance industry for a number of years, and over that time we have built relationships with some of the UK’s leading shop insurance providers.  This means that if you are looking for retail insurance, fish and chip shop insurance, or coffee shop insurance our partners can help.  Depending on the type of service or products your shop provides you will need an insurance policy that covers your day to day risks as well as your stock.  This is why our online form gives you the option to tell us about your business so that our brokers can find you the best level of cover.

  • As previously stated, our online form asks for some basic information about your company so that our partners can find you the best type of policy available for an affordable price.  Each type of policy will differ depending on the type of shop you own, as that way you will be protected against the most common risks for your business.  For example, if you own a café it is important that you are protected against fires that can be caused by the appliances in your kitchen, while those that specialise in retail will need protection against theft or damage to stock.  To find out the type of policy that is right for you why not fill out an online form now?

  • As we work with a wide range of specialist brokers a number of our customers have found cheap shop insurance quotes through QuoteSearcher.  We understand that by saving money on your shop insurance you will be able to invest even more money into your business, which is why our brokers work so hard to find low cost shop insurance quotes.  If you have already received a quote for your shop insurance from your current provider – or anyone else – let us know on our online form and our brokers will aim to beat it.  Fill out our form today to see what they can offer!