£438
Shop and Retail Insurance for High Street Shops
- Customers typically save 30%* with us.
- Quotes from a panel of A-rated insurers. We'll search the market for you.
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Smei: Why Choose Us
We understand that running a retail store comes with its own unique challenges and various risks, especially with the steady stream of customers coming through your doors. From potential slip-and-fall incidents to managing your stock, it’s essential to have comprehensive insurance that protects your business, your customers, and your reputation.
Because we’re a broker, we have access to flexible insurance quotes and policies from a selection of UK insurers. Our team of specialist insurance advisers take the time to understand your business, enabling us to create a flexible policy that covers what you need.
This means you can pick and choose which types of cover you need to protect your business, so you won’t end up paying for cover you don’t need.
We provide cover for a wide range of retailers from butchers, bakers, off-licences, pet shops, clothing shops, florists and many more!
Speak to our team of experts in shop and retail insurance for a free, no obligation quote.
You Could Save Over 30% with us*
Covers and Features
Standard covers**
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Public and products liability.
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Employers liability.
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Contents insurance.
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Buildings cover.
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Business interruption.
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Accidental damage.
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Money in safe or on premises.
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Book debts/account receivable.
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Glass.
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Access to a 24-hour legal helpline.
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Flexible payment options including direct debit.
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Access to documents anytime, anywhere via our secure portal.
Optional covers**
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Embedded breakdown.
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Cyber and data insurance.
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Fidelity.
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Goods in transit.
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Legal expenses.
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Loss of licence.
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Loss of rent receivable.
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Subsidence.
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Tenants’ improvements.
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Terrorism.
Premiums from as little as:
In the past 12 months our customers have paid as little as £438 per annum for shop and retail insurance. That’s just £8 per week!
50% of our shop and retail customers paid less than £1,195 per annum.***
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
***Data compared from 1,946 policies sold in 2023. 506 customers paid £438 or less, which represents 26%. £8 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
You Could Save Over 30% with us*
Frequently asked questions
Shop owners need insurance for several reasons but the main benefit is to help shop owners mitigate financial risks and protect themselves, their employees and their customers. It helps provide peace of mind and financial security in the event of unexpected events or accidents.
The type of insurance you need depends on your individual requirements, which a broker will talk you through before arranging a quotation. Some of the types of insurance to consider are:
- Property protection: Insurance provides coverage for the physical structure of the shop, as well as the contents inside, such as equipment, fixtures and fittings. This cover protects against the financial impact of damage or loss due to insured events like fire, theft, vandalism, or some natural disasters.
- Public liability cover: As a shop owner, you can be held liable for accidents or injuries that occur on your premises. Public liability insurance provides cover for legal expenses, medical costs, and compensation claims if a customer or third party is injured or their property is damaged while on your shop premises.
- Product liability: If your shop or retail business sells products – either from a bricks and mortar store or via an online retail business, there is a risk those products may cause harm or injury to customers. Product liability insurance provides cover for legal expenses and compensation claims if a customer is harmed by a product you sell or manufacture.
- Employee protection: If you employ staff at your shop, in most cases you are required by law to have employers liability insurance. This cover offers protection for employees who are injured or become ill while performing their job. It can help cover medical expenses, lost wages, and rehabilitation costs.
- Cyber liability: All businesses no matter their size may find themselves exposed to a cyber threat. Particularly those operating an online retail business may be vulnerable to data breaches or hacking. Cyber insurance can cover claims for expenses incurred due to data breaches.
Yes, as a self-employed shop owner, it’s still important to have insurance protection in place. While the specific insurance needs may vary depending on the nature of your business, there are several types of insurance that are commonly recommended for self-employed shop owners. To discuss the options, talk to one of our advisers today.
The cost of shop insurance depends on a number of factors such as: the size of your business, the type of shop you run and how much stock you hold. To discuss your options or to compare the cover you have via another provider with what we could offer you, take advantage of our free business insurance check today.
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