Insurance for shops and retailers

Flexible business cover for shops and retailers

We work with retail businesses of all sizes, from independent florists and butchers to garden centres and multi-store grocers, so we understand the unique challenges that retailers face daily.

Whether it's safeguarding your property and stock, ensuring staff safety, or combating the growing threat of cybercrime, we've got you covered.

You can pick and choose the cover you need and make changes mid-term without incurring any admin fees.

shop owner in front of of open sign
  • Experience

    We've over 110 years of insurance knowledge and expertise.

    Experience

    We've over 110 years of insurance knowledge and expertise.

  • Loyalty

    9 out of 10 customers renew with us every year.

    Loyalty

    9 out of 10 customers renew with us every year.

Insurance built around you

Insurance for shops and retailers that's not only closer to you but also tailored to what matters most to your business.

Our policies can provide the right level of cover to suit your business needs so you can continue be there for your customers and staff should the unexpected happen. Helping to keep your business operations running smoothly.

How our policies can keep your business selling:

  • Contents and stock: cover of what you sell - with the option to include cover of items not kept at your premises. 
  • Business interruption: cover of loss of income in the event that you are unable to trade because of an unexpected insured event.
  • Buildings: cover of the premises you run your retail business from.
  • Employers' liability: protection of you as an employer against claims for injury or illness by staff. 
  • Product liability: cover against claims made in relation to the products you sell.
  • Public liability: cover against claims made in relation to yours or others' property.

 

Policies tailored to the size of your retail business:

The cover you choose will depend on your circumstances and we'll take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.

FAQs

Provide your renewal date

It may not be the right time to renew your insurance, but we’d still like the chance to offer you a quote. If you share your renewal date with us, we'll get in touch when your policy is due to renew.

Why choose us?

Why choose us?

  • Dedicated service

    You'll have access to a specialist team of experts helping to keep your retail business running.

    Dedicated service

    You'll have access to a specialist team of experts helping to keep your retail business running.

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

  • Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

    Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

Find out more about our policies for retailers

Retailers with a turnover less than £3m

Retailer Insurance

Our Retailer Insurance provides cover for shops that turn over less than £3m annually, from florists to furniture stores, hairdressers and haberdashery.

Retailers with a turnover more than £3m

Commercial Select Insurance

Our Commercial Select Insurance provides a range of flexible covers to suit a variety of large commercial businesses that turnover more than £3m annually.