Shop and Retail Insurance Brokers
Your cover requirements will vary depending on the type of business you operate, for example if you may not need product liability if you are simply selling products produced by a third party. However you will most likely want to consider stock insurance.
Central Insurance has plenty of experience in creating tailored insurance cover for a variety of retail businesses, both on the Fylde Coast and Nationwide. Get in touch today for your free quote.
Do I need Insurance for my Shop?
Legally, the only insurance you require is employers’ liability insurance (if you employ additional people). The other policies which are commonly taken out by shop owners, are entirely optional. However, additional cover is always highly recommended, and usually seen as a necessity by most shop owners. As it guards you against circumstances that could be very costly to your business.
Other SME Business Insurance Services
What does Shop & Retail Insurance Cover?
Here are some of the key types of cover required for shop and retail businesses:
Buildings insurance
Buildings are usually your most expensive asset so it is important that you have the correct cover. Building insurance will cover you in the event of damage to your property for things such as repairs right through to a complete rebuild.
Business interruption insurance
In the case of a significant issue stopping your shop from opening, business interruption insurance will cover your overheads such as wages, bills and rent. This gives you peace of mind and time to get your shop back up and running.
Business contents insurance
Business contents insurance will cover the contents of your shop (excluding items classed as stock), this usually includes furniture and equipment that is relevant to your business.
Stock cover
Stock cover will protect any stock items that don’t fall under a business contents policy. This will cover your stock in the event of anything being damaged or stolen. There may be certain requirements from insurers on how your stock is stored to qualify for specific stock cover.
Employers liability insurance
Unlike public liability, employers liability is a legal requirement in the UK. This will cover claims from employees in case of any accidents that your employees may have in your shop that cause bodily injury or damages.
Public liability insurance
Public liability insurance is often recommended to businesses that are open to the general public. It will cover you for any claims against damage to property, loss or injury to third parties and you are proved to be at fault this will cover the cost of compensation.
Get your quote today via the button on this page or alternatively you can call us on 01253 764294.
Why Choose Central Insurance?
The most competitive premiums, every year
Our experienced broking team will ensure you don't just get the best price in the first year, you'll receive the best quote year on year.
You're in safe hands
All of our team at Central Insurance have been here for at least 10 years, gaining valuable experience in not only general insurance but also understanding our clients' specific insurance requirements inside out.
Dedicated claims assistance
Had trouble with claims in the past? Our in-house claims team are on hand to assist you with any insurance claim, acting on your behalf with corresponding with your insurance company.
Latest News & Blog
Public Liability Insurance Explained (UK Guide 2026)
What is Public Liability Insurance? Public liability insurance protects your business if a third party is injured or their property is damaged due to your activities. Who Needs It? You should consider it if you: Interact with customers Work on client premises Run a shop, office, or trade business Real-Life Examples A customer slips in […]
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