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Shop Insurance
Shop and Salon Insurance
This covers everything you might naturally expect, in addition to some things you might not have considered.
Retail Insurance
A policy that offers extensive cover, including £500,000 legal expenses as standard, and has the option to increase the majority of core cover limits.
Single and multiple location retail premises including online traders that have storage but no physical customer access. Typically for businesses that have less than £500,000 in stock and £5 million sum insured per premises.
Your stock-in-trade, money, public and employers’ liability are all included, plus electronic equipment such as cash registers and computers. If you carry high theft-risk stock such as spirits, tobacco or car radios you must declare a separate sum insured for these because they will affect an insurer’s view of what is adequate security in your case.
Public Liability
Up to £10 million public liability. Covers you against financial loss due to a liability claim brought against you for injury or damage to a third party.
Employers' Liability
Covers you for the cost of compensation claims brought about from an employee's illness or injury, That was sustained while carrying out work for you. Employers' liability is a legal obligation if you employ people (unless exempt), and you could be fined £2,500 for each day you're not covered.
Cover Options
Click listed cover for more information.
- Business Premises
- Business Interruption
- Legal Expenses
- Money and Assault
- Charity Shop Cover
- Treatment Liability
Key Benefits
- Comprehensive cover which provides an extra layer of financial protection for your business and reduces your risk of underinsurance.
- Free guides and advice via our help page
- Commercial legal protection via some of our insurers that also provides automatic debt recovery.
Let's get you covered as quickly and simply as possible

Your Broker

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Frequently Asked Questions
Do I need public liability insurance?
Whilst not a legal requirement we highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.Is business insurance a legal requirement?
Most business insurance is not a legal requirement, however, we do highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party or resulting fire, weather related incidents or a break in. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.
The only insurance that your business is legally obliged to obtain is employers liability and vehicle insurance.
Can I pay in monthly instalments?
You can pay monthly subject to your status and the size of the premium the credit charge and terms will vary.What if I need to change my level of cover?
As an existing client you can call or email us with any changes during business hours and get advice on the changes you wish to make.
If I need to make a claim who should I contact?
First and foremost always contact your insurer, should you need assistance or advice following that call speak to your broker who will be happy to assist you where they can.
Cover Information for Shop and Salon Retail Insurance

Business Premises
Business Interruption


Legal Expenses
Money and Assault


Charity Shop Cover
Treatment Liability

Need help?
Call us at 01702 225 440