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Shop Insurance Explained

0800 107 4885
Mon – Thurs: 08:30 – 20:00
Fri: 08:30 – 17:30
Sat: 09:00 – 13:00

Shop insurance from YOUR Insurance

As well as public liability, there may be other elements to your business you need to cover. Don’t let this worry you – as long as you tell us all your requirements and details of your shop, we will do our best to get you the right cover at the right price through our panel of leading insurance providers and our contacts in the wider insurance market. 

Great discounts for low premiums

We want to provide you with the lowest premiums we can. By using winning discounts for over 750 trades and professions we will work on matching renewal quotes where you are claim free for three years.

We are part of Towergate Underwriting Group Limited, one the largest independently owned insurance intermediaries in Europe, which means we have access to a wide panel of products and providers. Speak to our team on 0800 107 4885 today.

How to buy shop insurance from YOUR Insurance

Firstly have the following information to hand:

  • How much will your shop turnover this year?
  • What is the value of its contents?
  • What is the value of your stock including that stored off the premises?


  • Phone us on 0800 107 4885 and let us use our panel of insurers to tailor your very own policy.
  • Ask lots of questions about the levels of cover you need. We are happy help you understand the levels of cover you have in place for each eventuality.

Benefits Explained

What elements of shop insurance are important to your business?

When buying a shop insurance policy, you should consider the following elements which could make up the policy. 

  • Public Liability Insurance

    Public Liability is the bare bones of any shop insurance policy. This covers something like if one of your customers is unlucky enough to trip and hurt themselves in your shop.

  • Employers' liability

    If you run a limited company and have taken on members of staff that aren’t direct family members to help run your shop, then legally you have to have this in place

    You could be fined up to £1,000 a day if you don’t!

  • Business interruption

    If something was to happen to your shop – such as a fire or flooding, how long can you survive without trading?

    Additionally, if your shop is in a listed building, have you considered how this could effect the time it takes you to get up and running again?

  • Contents and stock

    Without your stock you cannot trade. Make sure you think through the value of your stock and let us know to make sure it is covered.

  • Money

    If you keep cash on the premises, even if you store it in a safe, then this needs to be covered as well.

  • Glass

    If your shop front has been vandalised, can your business absorb the cost of repairing it?


Case study

Sarah runs a successful boutique clothing store in a popular high street. She has managed to run the shop between herself and the help of immediate family, but last week she hired two members of staff. They are both going to work for her part-time as shop assistants, which will free up Sarah’s time to get on with growing the business. She has a shop insurance policy in place which she took out five months ago. She is under the impression that she has all the cover she needs –she hasn’t really given insurance a second thought. Sarah is actually breaking the law as it’s a legal requirement to have employers' liability insurance in place if you employ one or more members of staff who are not friends or family.


As businesses grow, it is important to review your insurance arrangements. If anything has changed with your business since taking out your shop insurance, check with your insurer that you are still covered.

Things to look out for

To make sure that you get the most from your insurance, you need to make sure that you bear these things in mind when choosing your policy and running your business:

Average clause
This is applied by insurers in the event of a loss where the insured items have not been insured for the full value.

Minimum security standards
All policies have a minimum security standard. Criteria include protecting all ground floor or accessible windows with window locks and ensuring that the final entry/exit door is of solid construction and protected by a 5 lever mortice deadlock.

Theft by violent or forcible entry
When a loss occurs due to theft it is usually a condition of the policy that entry was gained to the premises through violent or forcible entry. For example, if a burglar gained access by breaking a window you would be covered, whereas if they simply walked through an open door you would not.

Damage to property in the open
Please be aware that your shop policy will not cover you for any stock or contents that are kept in the open. This would include displays of your stock set up on the pavement outside your shop.

Frozen food section
Most policies provide cover for any deterioration of foods following the breakdown of a refrigeration unit. However there are certain conditions which take into account the age and maintenance of these units. It’s important to ensure that you’re familiar with these conditions.