Shop Insurance
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Why shop insurance matters
If you run a florist, bakery, boutique, or any other commercial shop, you’ll be exposed to a range of risks. These risks could threaten the survival of your business. Insurance for a shop matters because it safeguards your business, your assets, and your financial well-being. It also protects your reputation as a business.
What is shop insurance?
Shop insurance in the UK is coverage designed for the specific day-to-day risks of running a commercial shop. It’s a single policy that includes multiple types of cover. You can easily tailor your policy to cover your requirements. And even amend your coverage as your business grows.
What does shop protection cover?
Retail shop insurance is designed to be flexible. Most policies include a number of core covers. If you want more coverage for your shop, there are add-ons available for specific risks. However, if you want to keep insurance costs low, only take out the cover you need.
Core cover
Buildings cover– Protects the physical structure of your shop against things like fires, floods, or vandalism. It typically includes the walls, floors, and fixtures.
Shop contents protection– Usually includes shop equipment, furnishings, tills, computers, and other content against theft or damage.
Stock insurance – Covers the value of the stock you hold for sale if it gets stolen or destroyed.
Public liability – Protection against lawsuits that arise because of injury or property damage to third parties while at your shop.
Employer’s liability – Covers your employees if they are injured or become sick because of their work. This is a legal requirement in the UK.
Business interruption – Helps cover loss of income and ongoing expenses if your business operations are interrupted because of an insured event.
Legal expenses – Financial protection from expenses that arise due to legal disputes or other claims.
Optional or specialist cover
Shop front glass insurance – This is important for high-street retailers with prominent glass displays. It can cover shop windows, doors, and signage if they’re damaged or broken by accident.
Goods in transit – Protection for your stock or goods while being transported to or from your shop. Especially useful for businesses that deliver or collect goods as a service to their customers.
Product liability – If a product you sell causes injury to a customer or damage to their property, this cover is designed to protect you.
Personal accident insurance – This helps cover lost income or medical expenses if you or your employee is injured while working.
Tenant’s improvements cover – If you’re renting a shop, this will cover any improvements or alterations you’ve made due to damage from fire, theft or vandalism.
Specialist shop coverage options
Commercial property protection can be customised to cover the particular risks of the type of business you run. When comparing quotes, choose an insurance provider that is knowledgeable about your industry. Make sure your policy covers any legal, regulatory, or local authority requirements necessary for your type of business.
Pet shop insurance
Policies can cover damage to animal enclosures, special equipment, and liability to animals in your care.
Fish and chip shop insurance
Designed for businesses like a takeaway fish and chip shop, or another type of fast food shop. Equipment breakdown and public liability are typically covered.
Barber shop insurance
Protects barbershops and hair salons, and includes cover for tools, customer injuries or treatment liabilities.
Bike shop insurance
Tailored for shops that sell or repair bikes. Policies can cover high-value stock, theft, and liability for repairs or test rides.
Coffee shop insurance
Covers coffee shops and cafés. Typically includes coverage for equipment breakdown, spoiled stock, and public liability.
Flower shop insurance
This protection for florists typically insures perishable stock, delivery vehicles, and public liability for events or installations.
Tattoo shop insurance
A specialist cover for the unique risks of running a tattoo studio. It may include treatment risk, public liability, and equipment coverage.
What affects the cost of shop protection?
Insurers look at key factors when assessing the risk profile of your business.
Type of shop
Size of your shop
Safety and security measures
Location
Value of your stock and contents
Number of employees
Annual turnover
Level of cover chosen
Claims history
Excess amount
How can I get a shop insurance quote?
If you have all your details handy, you can quickly get shop insurance quotes by filling out the form on our website. We’ll put you in touch with a wide range of leading insurers. It usually only takes minutes for insurers to reach out with relevant offers for your business.
Shop Business Insurance FAQs
How can I find the cheapest shop insurance deal?
What insurance do I need for my shop?
Is insurance for a shop required by law?
Can I get cover for my shop front glass?
Is shop insurance for a small business available?
Do I need insurance for an online shop?
Page last reviewed on 21st July 2025
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