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Here at Your Insurance Group we have a retail insurance package offering you generous levels of standard covers including public liability, product liability and employers' liability, that help you to protect your retail business.

We also have many optional extras to choose from to improve your standard retail insurance policy, because when it comes to retail insurance, our specialist team understand that every retail business has different insurance needs.    

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Key features of our retail insurance policy

  • Public Liability - our retail insurance package comes with standard cover for public liability and product liability of £2 million which can be increased if required.
  • Employers' Liability - we can provide cover for up to £10 million under our retail insurance policies. Under UK employment law it is a legal requirement to hold employers' liability insurance if you have any employees.
  • Business Interruption - our package comes with this cover as standard to ensure that your business is protected; as retail insurance specialists we know that over 80% of businesses go bankrupt after a serious fire if they are not properly covered.
  • Buildings Cover - we can provide buildings cover at the level you require, which can also be extended to cover any damage caused by subsidence.
  • Contents Cover - we can tailor levels of cover to meet your specific retail insurance requirements.  Contents cover can extend to provide cover for the loss or damage to electronic equipment, tenants improvements as well as fixed and removable items of your shop dressing.
  • Stock Cover - our retail insurance packages come with a standard cover of £1000 for wines and spirits as well as £1000 tobacco and cigarettes, additional cover can be added to mould the policy to your exact needs.
  • Money & Assault Cover - we provide various levels of cover for money handled by you and your staff in the course of your business as well as any injuries sustained following assault, robbery or attempted robbery whilst operating your retail business.  This isn't just limited to within your business premises but extends to cover monies kept at home overnight as well as on your person whilst on your way to the bank.
  • Loss of Licence - as a respectable retail business  you may do your upmost to ensure that you operate within the licensing laws but may still loose your licence allowing you to retail alcohol.  We provide standard cover for any loss in income and reduction in the value of your business following the loss of licence, in qualifying circumstances up to £100,000.
  • Theft by Employees - the standard theft cover available on our shop insurance package only provides cover for theft involving forcible or violent entry to your premises.  We can add cover to protect you against employee dishonesty.
  • Goods in Transit - we provide £2,000 standard cover for loss or damage to your business goods in transit as we understand many retail businesses need to get goods from one place to another, whether it's delivering to a customer or picking up stock from a supplier.
 
Request A Retail Insurance Quote Today From Your Insurance Group

Retail insurance policy benefits

  • Free Legal Helpline - you will have access to a 24 hour telephone legal helpline on any legal problem in connection with your business.
  • Tax Protection - we can provide cover for up to £50,000 of accountancy and legal costs incurred following tax & VAT investigation by the Inland Revenue.
  • Seasonal Increase - our retail insurance package recognises that certain times of the year retailers are particularly busy and your business may need to stock up extra for the increased trade.  We provide, free of charge, an increase in your stock cover of 25% during November, December, the first two weeks of January, and the month leading up to Easter Day to make sure you have the cover your need to protect your business at these busy times.
  • Unlimited Glass Cover - our retail insurance packages provide you with unlimited glass cover including the temporary boarding up of your shop following an incident as well as the provision of a 24 hour replacement service, with limits of £500 for alarm foils and window signage.  Our glass cover not only covers your shop windows but extends to cover glass show cases, shelves and mirrors as well as sanitary fixtures and fittings.
  • Glass Replacement Service - broken glass?  Not to worry, the 24 hour glass replacement service can fix windows, doors or partitions.  Just call us and assistance will be provided.
  • Spread Your Payments - to help you manage your cash flow you can choose to pay your premium by monthly instalments.
  • Save Time & Money - you don't have to wait around for your documents with Your Insurance Group. We issue all of our documents via email, so you don't lose out. All of our telephone numbers are free phone, so you don't have to pay to call us.
  • Financial Security - by taking out our retail insurance policy you know you have the support of Europe's largest independent intermediary.
 
Request A Retail Insurance Quote Today From Your Insurance Group