Shop insurance for retailers, boutiques, and high-street businesses. Cover for stock, buildings, public liability, and business interruption. Arranged by FCA-regulated brokers.
Shop insurance is typically a package policy combining buildings insurance (if you own the premises), contents and stock cover, public liability insurance, employers liability insurance (required by law if you employ staff), and business interruption cover. Cover is subject to underwriting, insurer terms and acceptance.
We arrange shop insurance for a wide range of retail businesses including clothing boutiques, gift shops, florists, hardware stores, electrical retailers, newsagents, convenience stores, and many more. If your retail business is not listed, call us to discuss your requirements.
We do not provide instant online quotes. Call us on 01733 263311 or request a call-back and one of our specialist brokers will discuss your premises, stock values, and turnover before approaching the market.
Cover for theft of stock can be included in a shop insurance policy. The level of cover and any conditions (such as security requirements) will depend on the insurer and the nature of your stock.
Employers liability insurance is a legal requirement if you employ staff, including part-time and casual workers. It covers claims from employees who are injured or become ill as a result of their work.
Business interruption insurance covers loss of income if your shop is forced to close or trade is disrupted following an insured event such as a fire or flood. It can cover lost profit, fixed costs, and additional expenses incurred while trading is disrupted.
Cover is subject to underwriting, insurer terms and acceptance. Focus Insurance Services is authorised and regulated by the Financial Conduct Authority (FRN 717691).