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Shop & Retail Insurance

Shop & Retail Insurance

Public liability, stock and employers’ liability cover built for shops and retailers of every kind.

Public liability, stock and employers’ liability cover built for shops and retailers of every kind.

What kind of shop do you run?

Stock & contents
Customer injury
Business interruption
Compare from 20+ Trusted Insurers

Cover built for retailers across the UK

Speak to a specialist 0330 027 0996

Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL
Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL

Which cover does your shop need?

Which cover does your shop need?

Only employers’ liability is a legal requirement. The rest depend on what you sell and how you trade.

Only employers’ liability is a legal requirement. The rest depend on what you sell and how you trade.

Type of insuranceLegally required?Who needs it?

Employers’ liability insurance

Yes, if you employ staff

Required once you take on any staff, even casual help

Public liability insurance

Not legally required

Strongly recommended for any shop dealing with the public

Product liability insurance

Not legally required

Recommended if you sell physical goods, not just services

Money insurance

Not legally required

Covers cash and takings on the premises or in transit to the bank

Business contents insurance

No

Covers your premises fixtures, fittings and equipment

Stock insurance

No

Covers the stock on your shelves against theft, fire or damage

Business interruption insurance

No

Helps cover lost income if an insured event stops you trading

Cyber insurance

No

Recommended if you take card payments or hold customer data

Top Tip

Most shops build their policy from public liability, stock and contents cover, then add employers’ liability the moment they take on staff.

Taken on your first employee?

Taken on your first employee?

Employers’ liability becomes a legal requirement the moment you do, even for one part-time or casual worker.

Employers’ liability becomes a legal requirement the moment you do, even for one part-time or casual worker.

Two shop staff reviewing a tablet and laptop behind a clothing boutique counter.

Core cover for shops

Core cover for shops

Most shops combine public liability, employers’ liability, stock and contents cover, with business interruption for when you can’t trade.

Most shops combine public liability, employers’ liability, stock and contents cover, with business interruption for when you can’t trade.

Public Liability

Public Liability

Covers claims if a customer or member of the public is injured or their property is damaged.


Employers’ Liability

Employers’ Liability

A legal requirement once you employ any staff, even casual help.


Stock Insurance

Stock Insurance

Covers the stock on your shelves against theft, fire or damage.


Money Insurance

Money Insurance

Covers cash and takings on the premises or in transit to the bank.


Business Interruption

Business Interruption

Helps with lost income if an insured event stops you trading.


Legal Expenses

Legal Expenses

Covers legal costs for contract and supplier disputes.


One shop or a growing chain?

One shop or a growing chain?

What you need changes as you grow. A single shop needs different cover to a chain with staff, stock across sites and higher turnover.

What you need changes as you grow. A single shop needs different cover to a chain with staff, stock across sites and higher turnover.

What can affect the cost of shop insurance?

There’s no fixed price. It depends on what you sell, your premises, staff numbers and your claims history.

Type of shop

A jewellers and a newsagent face very different risks, and are priced accordingly.

Value of stock

Higher-value stock means a higher stock cover premium.

Location and footfall

Busy high street or shopping centre units can affect your premium.

Number of staff

More employees increase your employers’ liability exposure.

Level of excess

A higher voluntary excess usually lowers your premium.

Claims history

A clean claims record helps keep premiums down at renewal.

What are you looking to protect?

What are you looking to protect?

Choose a category to explore insurance products tailored to your business needs.
Choose a category to explore insurance products tailored to your business needs.

What could help:Public Liability

Learn more
Woman in a gray sweater smiles while examining a small white item in a cozy craft or gift shop filled with handmade goods and decor.
A man getting into a car outside an office building

Shop insurance without the guesswork

We help shops and retailers find the right combination of cover, not just the cheapest single policy.

The right cover depends on what you sell, your premises and how many staff you have.

Specialist retail insurers
Access to 20+ UK insurers
Experienced UK-based advisers
Cover tailored to your shop type
Support with complex risks
Human support when you claim

Need cover before your next stock delivery?

Need cover before your next stock delivery?

We can issue your certificate the same day, so new stock is never left uninsured.

We can issue your certificate the same day, so new stock is never left uninsured.

Retailer checking a parcel against paperwork beside a laptop in a clothing shop.

How to get shop insurance

How to get shop insurance

Getting shop insurance takes four steps: tell us about your shop, choose your covers, compare specialist insurers, then get covered, often the same day.

Getting shop insurance takes four steps: tell us about your shop, choose your covers, compare specialist insurers, then get covered, often the same day.

1

Tell us about your shop

What you sell, and whether you employ staff.

2

Choose your covers

Public liability, stock and any extras you need.

3

We compare specialist insurers

We search our panel of 20+ UK insurers.

4

Get covered and trading

Receive your documents, usually the same day.

We’re with you all the way

UK-based specialist advisers
Access to specialist insurers
No obligation, just expert help

Trusted by thousands of businesses across the UK

Trusted by thousands of businesses across the UK

From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.

From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.

Shop insurance guides

Shop insurance guides

Choosing cover, valuing stock and protecting a shop that depends on footfall.

Choosing cover, valuing stock and protecting a shop that depends on footfall.

Do You Need Convenience Store Insurance If You Only Sell Newspapers and Snacks?

Do You Need Convenience Store Insurance If You Only Sell Newspapers and Snacks?

Running a small newsagent or corner shop that mainly sells newspapers, snacks, and drinks might seem simple. However, even small stores can face risks that could lead to unexpected costs. Convenience store insurance is designed to help protect your business, even if you only sell a limited range of products.

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Why Newsagents and Corner Shops Need Tailored Insurance

Why Newsagents and Corner Shops Need Tailored Insurance

Running a newsagent or corner shop comes with everyday risks. From stock damage to customer injuries, unexpected events can affect both finances and reputation. This is why arranging tailored insurance for newsagents and convenience stores is important.

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What Does Convenience Store Insurance Protect You Against?

What Does Convenience Store Insurance Protect You Against?

Running a corner shop or newsagent can be busy and rewarding. It also comes with risks that could affect your business if something goes wrong. Convenience store insurance is designed to help protect your shop, stock, and finances from a wide range of problems.

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Off‑Licence & Specialty Retail Shop Insurance: What Extra Risks Should You Cover?

Off‑Licence & Specialty Retail Shop Insurance: What Extra Risks Should You Cover?

Running an off‑licence or specialty retail shop in the UK often brings unique challenges that may not apply to standard retail businesses. Whether selling alcohol, tobacco, perishable goods, or niche products, off‑licences and specialist shops can face additional risks that may require tailored insurance cover.

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Shop Insurance Add‑ons: Legal Expenses & More

Shop Insurance Add‑ons: Legal Expenses & More

Arranging shop insurance in the UK can provide core protection for buildings, contents, and public liability, but many shop owners may benefit from exploring additional cover options. Certain risks can remain unprotected without carefully selected insurance add-ons.

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Shop Equipment & Contents Cover: Avoiding Hidden Risks in Fixtures and Stock

Shop Equipment & Contents Cover: Avoiding Hidden Risks in Fixtures and Stock

Running a shop in the UK often involves more than protecting the building itself. Many retailers rely heavily on fixtures, fittings, specialist equipment, and valuable stock to operate successfully. Without the right shop insurance, these assets can be at risk from theft, accidental damage, or unforeseen incidents such as fire or flooding.

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Shop insurance FAQs

Shop insurance FAQs

Straight answers on cover, stock and what different shops need.

Straight answers on cover, stock and what different shops need.

Shop insurance is a combination of covers built for retail premises: public liability for customer injury, employers’ liability if you have staff, and stock cover for the goods on your shelves.

Still have questions?

Our advisers are here to help you find the right solution.