Insurance by Business Type
Select your business type below to learn about the specific cover we arrange for your sector.
Essential Cover for Retail Businesses
We tailor each policy to your specific business and requirements, ensuring you have the right level of cover without paying for unnecessary extras.
Buildings Insurance
Cover for your business premises against fire, flood, storm, and other insured perils. Essential if you own the freehold or are responsible under your lease.
Contents & Stock
Protection for shop fittings, fixtures, equipment, and stock against damage, theft, and other insured events.
Public Liability
Essential cover for claims from customers or visitors injured at your premises or by your products. Typically £2m-£5m.
Employers' Liability
Compulsory cover if you employ staff. Protects against claims from employees injured at work. Minimum £5m, typically £10m.
Business Interruption
Replacement of lost gross profit if you can't trade due to an insured event, covering rent, wages, and fixed costs.
Products Liability
Cover for claims arising from products you sell or food you serve that causes injury or illness to customers.
Optional Covers for Comprehensive Cover
Beyond the core covers, we can arrange additional protection tailored to your specific business needs and risk profile.
Stock Deterioration
Protection for chilled and frozen stock if refrigeration fails
Equipment Breakdown
Cover for sudden failure of essential business equipment
Money Cover
Protection for cash on premises, in transit, and in safes
Legal Expenses
Cover for legal costs in disputes with suppliers or customers
10+ Years
Specialist Experience
Specialist Retail Insurance Brokers
We understand the unique risks facing retail businesses. From stock protection to customer liability, we arrange comprehensive cover that lets you focus on running your business.
- Access to specialist retail insurers not available on comparison sites
- Tailored policies for your specific business type and risk profile
- Expert advice on coverage gaps and risk management
- Claims support throughout the process
- premiums suited to your risk profile through market-wide search
- Flexible payment options including monthly instalments
Quick Quote Checklist
To provide an accurate quote, we'll need the following information:
- 1Business type and trading activity
- 2Shop address and premises details
- 3Whether you own or lease the premises
- 4Buildings rebuild value (if applicable)
- 5Contents and stock values
- 6Annual turnover/gross profit
- 7Number of employees
- 8Claims history for the past 5 years
Important Information
Please read the following before requesting a quote.
Focus Insurance Services Ltd is an insurance intermediary, not an insurer. We arrange insurance on your behalf with a panel of insurers. The specific terms, conditions, and exclusions of your policy will be detailed in your policy documentation.
Employers' Liability insurance is compulsory if you employ anyone, including casual or part-time staff. You must display your certificate of insurance at your place of business or make it available electronically.
For full details of our services, please see our Terms of Business and Regulatory Information.