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Shop Insurance

Compare Quotes On Your Shop Insurance

  • Retail insurance specialist quotes
  • Cover for stock, premises and liability
  • Suitable for independent and high street shops
  • One enquiry. Multiple quotes.
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We partner with specialist insurance providers including

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JB Brokers

Why Use QuoteSearcher for Shop Insurance?

Retail businesses face a wide range of risks, from customer injuries and damaged stock to interruptions that prevent trading altogether. The type of shop you run, the goods you sell and whether you employ staff can all influence the type and level of insurance cover available.

QuoteSearcher helps introduce shop owners to specialist insurance brokers who regularly arrange cover for retail businesses across the UK. When you complete a quick form on our site, we put you in touch with brokers who will be able to outline insurance options based on how your shop operates.

This approach removes the need to contact multiple insurers individually and allows you to explore cover options through experienced brokers who understand retail risks.

FINDING SPECIALIST QUOTES SINCE 2005
Online for over 20 years matching customers with specialist brokers
FAST AND SIMPLE PROCESS, YOU’RE IN THE RIGHT PLACE
Complete one simple form to receive multiple quotes, let us do the leg work for you
SIT BACK AND RELAX, YOU’RE IN CONTROL
You compare the quotes and choose the policy that best suits your needs
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Customer's Love Our Service

Quick quote, no hassle and saved £700!

Alfred Rooney

Fantastic can't fault in any way, would use time and again and recommend to all!

Alan Jones

Excellent and fast service, will use again.

Kevin Green

Quick helpful and cheap, can’t complain at anything. Thanks very much.

Mark Smith

Found the site easy to use, had good feedback from four companies, all very competitive.

Jackie Hunter

Helpful and efficient service, I was impressed how quickly I received my quotes.

J Hale

Very quick responses and completed selection and purchase of a very competitive new policy within 24 hours.

Roy Halistones

Very good and easy to use, this has not only saved me money but also saved me a lot of phone calls and time, thank you.

Shirley Dixon

Excellent service and delivered quicker than the website said. Have bought and will buy much more from here. Prices very competitive and often much cheaper. Yet to find something I want that they don't have.

David McGarry

Thought they were very good there was no need to ring around and I found what I was looking for.

Mrs M Hutson

Shop Insurance Policy Features

Please note that cover will vary depending on the insurer and broker, but shop insurance policies may include a combination of the following:

Buildings and Contents Insurance

Cover for your shop premises, fixtures, fittings and equipment, as well as stock held on site, following events such as fire, flooding or vandalism. Find out more about Buildings and Contents Insurance.

Public Liability Insurance

Cover for claims made by customers or members of the public who are injured or suffer property damage while on your premises. Learn more about Public Liability.

Business Interruption Insurance

May help protect income if your shop is unable to trade following an insured event, such as serious property damage. Read more about Business Interruption Insurance.

Employers’ Liability Insurance

A legal requirement if you employ staff. Covers claims made by employees who are injured or become ill as a result of their work. Read more about Employers’ Liability Cover.

Stock Insurance

Protects against loss or damage to stock caused by theft, spoilage or accidental damage.

Goods in Transit Insurance

Cover for business goods while they are being transported, such as stock being delivered to or from your premises. Find out more about Goods in Transit Insurance.

Types of Shops That Can Be Covered

Shop insurance is commonly arranged for a wide range of retail environments, including but not limited to:

  • Sandwich shops and bakeries
  • Newsagents and off-licences
  • Florists and greengrocers
  • Butchers and delicatessens
  • Chemists and pharmacies
  • Bookshops and toy shops
  • Shoe shops and clothing retailers
  • Pet shops
  • Antique shops
  • Launderettes

Depending on the broker, policies can often be tailored depending on factors such as footfall, stock value, opening hours and whether food or alcohol is sold.

Girl pays for her retail shopping

FREQUENTLY ASKED QUESTIONS ABOUT SHOP INSURANCE

    • What does Shop Insurance cover?
      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. 
    • What should I do in the event of water damage?
      You will need to inform your shop insurers as soon as possible. Absolutely do not carry out any repairs before consulting with your insurers. The shop insurance provider may be able to bring in specialists to clean up and assist with getting your property back in tip top shape.
    • One of my employees has had an accident in the work place, what should I do?
      You should do the following: 1) Report the accident to your insurers. 2) Make a note of the accident. It is your legal obligation to do so. 3) Do not accept responsibility or agree to pay compensation, even if you think it is obvious that it is your fault, as this may impair your relationship with your insurers. 4) Allow your shop insurers to investigate the accident and then advise you on what should be done next.
    • Will my van be covered under my shop insurance policy?
      Unfortunately not, you will instead need to purchase van insurance. Every vehicle requires some form of basic vehicle insurance. If you were to transport your stock or goods in the back of your van, then these items may well be covered under your shop insurance policy. But for everyday use, you will still need a basic van insurance policy.
    • How will I know what particular security my building will require?
      Security requirements will depend on your individual circumstances. You will also need to be able to meet the minimum security requirements stated by your shop insurer. For example, in some cases an alarm may be a minimum requirement, whereas for other insurers you may not need an alarm but having one may reduce your premium.
    • I use a private vehicle to transport stock, will it be covered while I am in transit?
      Providing the vehicle is owned by you, it should be covered by your shop insurance policy as you are using it to transport goods. This is something you should check with your insurer however just to make sure. All vehicles of course need to be insured by a basic vehicle insurance policy, and so provided the vehicle is insured, and your shop is insured, then there should be no complications if you were to be involved in an unfortunate event whilst transporting stock.
    • Is there a maximum amount of staff I can employ?
      Most shop insurance policies do not have a limit on the amount of staff you can employ. If there is a limit, it will be clearly stated in the terms and conditions of the policy you are looking to purchase.
    • Will I be able to insure more than one property on my policy?
      Many shop insurance providers will offer options for you to insure multiple properties on the same policy. This may then lower your insurance premiums.
    • What if I do not have a business name?
      If you do not have a business name, you will need to take out your shop insurance policy under your own name. This will most probably not affect your insurance premiums.
    • If I do not yet have an alarm on my property, will this affect my insurance?
      You will almost certainly not need an alarm in order to purchase shop insurance. However, an alarm is likely to reduce your premium. The higher level of security you have for your establishment, the lower your premium is likely to be.
    • How do I get shop insurance cheaper?
      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.