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"I never believed that sorting out insurance could leave me smiling."

At Primo, we like all our clients to feel this way

Shop and Salon Insurance:

Comprehensive Protection for Your Retail Business

Whether you run a bustling high street shop or a tranquil salon, your business is your passion. At Primo, we understand the unique risks retailers face, and we offer tailored shop and salon insurance solutions to safeguard your livelihood.

Retail Insurance: More Than Just the Basics

Our comprehensive retail insurance policy goes beyond the ordinary, providing an extra layer of financial protection you can rely on:
  • Extensive Cover:

    Protects your business premises, stock, money, and electronic equipment.
  • Public Liability Insurance (up to £10 million):

    Covers legal costs and compensation claims if a third party is injured or their property is damaged on your premises.
  • Employers' Liability Insurance:

    A legal requirement if you have employees, this covers compensation claims for work-related injuries or illnesses.
  • Legal Expenses (up to £500,000):

    Provides financial support for legal disputes, including contract disputes, employment issues, and tax investigations.

Flexible Cover Options:

We understand that every business is different. That's why we offer a range of customisable cover options to meet your specific needs, including:
  • Business Interruption Insurance:

    Covers loss of income and ongoing expenses if your business is temporarily closed due to a covered event.
  • Money and Assault Cover:

    Protects against theft of money or assault on your premises.
  • Charity Shop Cover:

    Tailored coverage for charitable organisations.
  • Treatment Liability:

    Covers claims if a customer is injured during a treatment or service provided by your salon.

Who We Insure:

We cater to a wide range of retail businesses, including:
  • High street shops

  • Online traders with storage facilities

  • Salons and beauty businesses

  • Charity shops

  • And more!

Key Benefits of Choosing Primo:

  • Expert Advice:

    Our knowledgeable brokers will guide you through the insurance process, ensuring you get the right cover at the right price.
  • Tailored Solutions:

    We'll work with you to create a bespoke policy that meets your specific business requirements.
  • Claims Support:

    We'll be there to help you navigate the claims process, making it as smooth and stress-free as possible.
  • Free Resources:

    Access our library of helpful guides and resources to learn more about protecting your business.

Don't Leave Your Business Vulnerable

Safeguard your shop or salon from unexpected events. Contact our team today for a personalised quote and discover how we can help you protect your business and your peace of mind.
We look forward to working with you!
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Questions
Your assigned broker is happy to answer your concerns.
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Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.

Shop and Salon Insurance FAQ: Your Questions Answered | Primo

  • What is shop and salon insurance, and why do I need it?

    Shop and salon insurance is a specialised type of business insurance designed to protect retailers and personal service businesses like salons and barbershops. It's essential because it safeguards your livelihood against a range of risks you might encounter while operating your business, including accidents, injuries to customers or staff, property damage, and theft.
  • What types of businesses does shop and salon insurance cover?

    This insurance covers a wide array of retail and personal service businesses, including:
    • High street shops (clothes, electronics, gifts, etc.)
    • Beauty salons, hairdressers, and barbershops
    • Health and wellness clinics
    • Convenience stores and newsagents
    • Online retailers with storage facilities
  • What are the core components of shop and salon insurance?

    The most common elements of this insurance include:
    • Public Liability Insurance: Protects you against claims if a customer or member of the public is injured or their property is damaged on your premises.
    • Employers' Liability Insurance: Legally required if you have employees, this covers compensation claims for work-related injuries or illnesses.
    • Contents Insurance: Protects your stock, equipment, fixtures, and fittings against theft, damage, or loss.
    • Business Interruption Insurance: Provides income replacement if you can't operate due to a covered event like a fire or flood.
  • What additional coverage options are available for shops and salons?

    You can tailor your insurance with options like:
    • Product Liability Insurance: Covers claims if a product you sell causes harm or injury to a customer.
    • Money Insurance: Protects against theft of cash on your premises or in transit.
    • Glass Insurance: Covers the cost of replacing broken windows or glass doors.
    • Legal Expenses Insurance: Provides financial support for legal disputes.
    • Treatment Risk: Covers claims arising from treatments or services offered by salons.
  • Is shop and salon insurance a legal requirement in the UK?

    Employers' Liability insurance is a legal requirement in the UK if you have employees. While other types of shop and salon insurance are not mandatory, they are highly recommended to protect your business from financial losses.
  • How much does shop and salon insurance typically cost?

    Insurance premiums vary depending on several factors, including:
    • The size and type of your business.
    • Your annual turnover.
    • The number of employees you have.
    • The level of cover you choose (including any additional options).
    • Your claims history.

    It's best to get a personalized quote to determine the exact cost for your specific circumstances.
  • Do I need shop insurance if I operate an online-only business?

    If you have a physical premises for storing stock, even without customer access, you may still need some form of shop insurance. Public liability and product liability are particularly important for online retailers to protect against claims arising from products sold.
  • How do I choose the right level of cover for my shop or salon?

    Assess the risks associated with your business. Consider the value of your stock and equipment, the services you offer, and the potential for customer injuries. A broker can help you evaluate your needs and tailor a policy with the appropriate level of protection.
  • What should I do if I need to make a claim on my shop or salon insurance?

    Contact your insurance provider immediately and provide them with all relevant details about the incident. They will guide you through the claims process and help you get the compensation you're entitled to.
  • Why should I use a broker for my shop or salon insurance? | Primo

    A broker, like Primo, specialises in insurance and can:
    • Save you time and effort by comparing quotes from multiple insurers.
    • Tailor a policy that precisely meets your needs and budget.
    • Offer expert advice on the right coverage options.
    • Assist with claims if you need to make one.

Other Insurance For Consideration

Commercial Fleet Insurance

Driver getting in his van
Comprehensive, third party, fire and theft or third party only cover arranged for your business' vehicles or commercial fleet.

Commercial Property Insurance

Commercial property insurance headed page on a clipboard with a blue background
Do you need commercial property insurance in addition to liability cover? We can also arrange as a stand-alone policy.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.

Finding you the right cover at the right time.

Tailoring your cover to match your business' needs is something we pride ourselves on at Primo. See below for typical examples of cover and options you may require.

All Risks Premises Only

This comprehensive coverage automatically protects your business premises from a wide range of unexpected events, such as fire, theft, vandalism, and accidental damage. It safeguards your building, equipment, and stock at the address listed on your policy. Specific exclusions will be clearly detailed in your policy documents.
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All Risks on Specified Property

The same cover as above but for specified properties this is cover most mobile business should consider. There is also geo-location all risks which would cover you for the whole of England or Europe if you do events etc.

Business Interruption

Covers money held on your premises such as cash floats for your soft play food counter. Insurers will often place a limit on the cash amount covered.
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Material damage at the insureds premises only

After a natural disaster or a forced entry there is often a lot of damage to your property and this is often covered by material damage insurance.

Money on Premises

For more information on our motor fleet policy please click on the link below.
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Goods in Transit

This will cover stock and equipment that is being transported from point A to point B. There may be exclusions such as equipment must not be left in the vehicle overnight. Please speak to your broker for more details.

Glass Cover

Covers emergency call out to fix or replace damaged windows and door glass.
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White van

Commercial Fleet

For more information on our motor fleet policy please click on the link below.

Treatment Liability

Optional treatment liability is available for hairdressers and beauticians.
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Charity Shop Cover

Covers charity shops for goods donated as well as raffle prizes that are used for fundraising in the United Kingdom up to a value of £1,500.
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