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What Is Shop Insurance?

Businesses can tailor shop insurance to the business’s particular needs. It can include cover for commercial premises, employer’s and public liability, stock, interruption, etc.

Running a shop always comes with certain dangers and risks, which is why you need to compare shop insurance quotes and make sure your business is adequately protected.

The retail sector is notoriously busy, with successful shops seeing high levels of foot traffic daily. Of course, such a dynamic environment increases the likelihood of someone having an accident or damaging your property. Finding the right insurance policy is the only way to cover yourself from any unexpected events.

Fortunately, Quote Goat make it easier than ever for you to compare shop insurance quotes and find yourself a cheap deal. Just click the ‘Get Quotes’ button above, fill out your details, and speak to one of our brokers about your specific policy requirements.

After all, every shop is different, and Quote Goat are here to help you find the perfect insurance policy for your business.

Why Do I Need Shop Insurance?

Although you might think it’s doubtful, accidents do happen. When running a shop, you have a responsibility to protect your customers, staff, and business as a whole; having adequate shop insurance is the only way to provide that protection.

As a shop owner, the safety of your business should always be of paramount importance. Shop insurance will protect your stock against damage or theft, your building from vandalism and your business from any claims from customers. Whatever your requirements, you can tailor your policy to suit your own specific needs.

Whether you’re an enormous high street retailer or a local news agent, shop insurance keeps your business safe.

What Insurance Does A Shop Need?

There are many options to choose from when deciding which covers you would like your shop insurance policy to include. But there’s no need to feel overwhelmed by it because you need to remember that no two shops are the same, and you need to select options applicable to your business.

For the most part, however, you should consider including the following insurance to make sure you’ve covered all the major bases.

Contents Insurance – this will cover your stock, shelves, displays and other types of equipment from theft and damage. In short, this will protect your shop’s interior.

Public Liability Insurance – since you’ll undoubtedly be expecting customers, this insurance needs to be considered a top priority. Public liability insurance will cover legal costs and compensation if a customer injures themselves or damages their property on your premises.

Employer’s Liability Insurance – if you employ any staff, you’ll be required to take out employer’s liability insurance to protect you in case an employee becomes injured while working for you.

Buildings Insurance – if you own your shop’s building, you’ll need to take out buildings insurance to cover the costs of repairing any damage or vandalism.

Product Liability Insurance – this covers you in the event of a product you sell causing damage, injury or illness to a customer. Even if you haven’t manufactured the product, you can find yourself liable in such an event.

Business Interruption Insurance – if you’re unable to open your doors due to theft, vandalism, fire, or similar circumstances, this will cover the costs of lost sales, wages, and even rent. It is essential for getting yourself back on your feet in a disaster.

Does The Law Require Shop Insurance?

Although shop insurance is strongly recommended, only employer’s liability insurance is a legal requirement. Once you’ve become an employer and started hiring staff, you could be fined £2500 for every day you aren’t adequately insured, so it’s essential to get this sorted straight away.

However, ignoring other types of shop insurance could have even more significant repercussions on your business and your livelihood.

Compare Cheap Shop Insurance Quotes

Your shop insurance can include as many (or as few) of these policies as possible. It all depends on which aspects are relevant to your business and which parts of your shop need protecting.

The price of your shop insurance will depend on what you decide to cover, where you’re based and how much risk is involved for the insurance provider.

To compare quotes today, enter your details through the link at the top of the page, and then speak to members of the panel to find cheap shop insurance quotes.

Author Image - Michael Foote

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.