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Every day, shops face exposure to various hazards and should the unforeseeable occur business insurance is essential to protect you.

Our insurance policies are bespoke and tailored to suit your individual business needs, our dedicated team work on your behalf to get the policy most proficient for you and for the best price.

You can choose from an extensive range of covers which are tailored to suit your needs.

Some covers we believe are most beneficial to a shop

  • Stock and Inventory Damage – Covers the cost to replace or repair your stock if it becomes damaged or stolen so that you can keep running.
  • Goods in transit – Covers the cost of items that are lost or damaged whilst they are being transported in your vehicles (such as stock deliveries or customer deliveries).
  • Loss of money – To protect your money during and outside of business hours or whilst in transit from theft or damage.
  • Business interruption – To protect your loss of income should anything go wrong resulting in the business being unable to run properly (such as damage to property)
  • Employer’s liability – A legal requirement if you have employees, casual workers or volunteer staff to cover any claims if they become unwell or suffer an injury in the workplace.
  • Public & Products Liability – To protect you against claims by third parties for injuries suffered or property damaged because of your business activities or products.

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These Additional covers are also available should you need them:

  • Buildings & Contents cover
  • Portable Equipment away from the Premises
  • Terrorism
  • Personal Accident
  • Legal Protection

Shop insurance in action:

£8000 worth of spoiled stock

Damage to property

Torrential rain for several days led to a river bursting its bank causing the town to flood, your furniture shop discovers that nearly all its stock on the shop floor is ruined and needs to be removed. The shop has up to £20,000 worth of stock and inventory damage cover so you are able to make a claim for the costs of replacing the stock back from the insurer.

You're also able to claim compensation for the loss of income whilst the shop is shut, and repairs are made due to having Business interruption cover.

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Extensive cover for complex needs

Public liability

Protection against liability claims made against you or your organisation.

Employers liability

Protection against the cost of compensation claims arising from employee illness or injury as a result of their work for you.

Professional indemnity

Cover for any claim made against your organisation by a client or customer for any losses they suffer as a result of your work or advice.

Need help? Call us

01922 214 412
Weekdays 9am - 5pm

Our brokers are knowledgeable and friendly. They’re specialists who can provide the advice and help you need.

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Our featured insurance products

business insurance

Business insurance

A range of policies that protect your business against financial loss regardless of size. This could be from damage to your property, theft of your stock or equipment, or legal costs either arising from injuries to your staff or members of the public.

charity insurance

Charity insurance

A range of policies that protect your charity, community group or not for profit organisation, from accidents involving volunteers or event visitors to allegations of wrongdoing against trustees.

faith and community insurance

Faith & community insurance

A range of policies that protect your place of worship such as Church, Temple, Mosque or other religious building from damage, theft of religious artifacts to accidents involving volunteers.

landlord's insurance

Landlord's insurance

Also known as buy-to-let insurance, it is a combination of policies designed to protect a landlord and their properties. Whether you have one property or 10, occupied or unoccupied, a cover can be tailored to your specific requirements.

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If you have a question regarding your insurance, feel free to get in touch.

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