Shop
Insurance

What is Shop Insurance?

Shop Insurance is designed to protect your retail business, covering risks such as theft, fire, accidental damage, and public liability. Whether you run a boutique, convenience store, supermarket, or specialist retail shop, this insurance ensures your business assets, stock, and premises are safeguarded.

For retailers, shop owners, and franchise businesses, Shop Insurance is essential to maintaining business continuity and protecting against unforeseen financial losses.

Who Needs Shop Insurance?

Any business operating a physical retail space should consider Shop Insurance. This includes:

• Retailers & Shop Owners – Covers stock, displays, tills, and store equipment against theft and damage.
• Convenience Stores & Supermarkets – Protection for fridges, shelving, stock, and point-of-sale systems.
• Clothing & Fashion Boutiques – Covers expensive garments and store fittings.
• Specialist Shops – Tailored cover for electronics, jewellery, and other high-value stock.
• Franchises & Chain Stores – Custom policies for businesses with multiple locations.

Why is Shop Insurance Important?

Unexpected losses can have a serious financial impact on retail businesses. Without adequate insurance, replacing stolen, damaged, or lost stock and equipment can be costly and disrupt operations.

Common risks that Shop Insurance protects against include:

• Theft & Shoplifting – Covers the cost of replacing stolen goods and equipment.
• Fire & Flood Damage – Protection for stock and store fixtures damaged by fire, leaks, or floods.
• Accidental Damage – Covers repair or replacement costs if business equipment or stock is damaged unexpectedly.
• Vandalism – Protection against malicious damage to your shopfront and interior.
• Public Liability Claims – Covers legal costs and compensation if a customer is injured on your premises.

What’s Covered in Shop Insurance?

Shop Insurance policies typically include:

• Stock & Inventory – Covers the cost of replacing shop stock due to theft or damage.
• Shop Equipment – Protection for tills, shelving, refrigeration units, and specialist fixtures.
• Contents & Fixtures – Covers counters, display units, and store furniture.
• Public & Employers’ Liability – Ensures protection against claims from customers and staff.
• Business Interruption – Covers loss of income if your shop is forced to close due to an insured event.

What’s Not Covered?

• Damage to the building itself – Covered under Business Building Insurance.
• Losses due to wear and tear or lack of maintenance.
• Cyber-related claims – Requires Cyber Insurance for online transactions and data protection.

Additional Cover You May Need

Depending on your shop type, you may need additional cover such as:

• Business Building Insurance – Protects your shop premises from structural damage.
• Employers’ Liability Insurance – Covers claims from employees who suffer workplace injuries or illnesses.
• Business Interruption Insurance – Provides income protection if your shop is forced to close due to an insured event.
• Public Liability Insurance – Protects against claims from customers injured on your premises.

At Insurably, we work with 100s of insurers to find the right policy for your shop, whether you’re a small boutique or a large retail chain.

Start your quote online and let us match you with the best insurer, ensuring your shop has the coverage it needs.