Commercial shop insurance for retailers, buildings, stock, glass, business interruption and public liability for high-street and independent shops.
Commercial shop insurance is a packaged commercial policy for retail. Buildings, contents, stock, glass and shopfront, signage, business interruption and the liabilities that come with public-facing retail.
The structure, fixtures and fittings, plus the stock you hold for resale. Comprehensive across fire, flood, theft, vandalism.
e.g. A boutique cleaned out after an after-hours break-in, stock and contents replaced under one claim.
High-frequency claim category for retailers, accidental damage, vandalism, replacement of fixed glass and external signs.
e.g. A car reverses into a shopfront window, full plate-glass replacement covered.
PL for customers in store and on the shopfront, BI for the trading loss while you cannot operate.
e.g. A customer slips on a wet shop floor and breaks an ankle, PL responds to the claim.
The retail formats we most commonly place commercial shop insurance for.
High-street retail
Clothing, gifts, books, accessories, independent shops on parade or high-street locations.
Convenience and corner shops
High stock-turnover convenience stores with late-hour trading and money exposure.
Jewellery and high-value
Jewellers, electronics, antiques retailers, stock value drives premium and specialist endorsements.
Speciality and gift shops
Speciality retail, gifts, homewares, books, food specialists.
Service retail
Hair salons, barbers, beauty salons combining service and retail.
Mobile traders and pop-ups
Market stalls, pop-up shops, exhibition stands, mobile-trader policies.
Shopping centre units
Retail units in shopping centres and retail parks with footfall-driven liability.
Multi-site retailers
Independent multi-site retailers running 2-10 shops on portfolio policies.
Tell us about the shop, type, location, stock, security. Specialist retail markets across independent, high-value and mobile-trader cover.
The questions we hear most often from retailers.
Theft cover is standard on commercial shop insurance, with conditions: working alarm, secure premises, and limits on money in the till versus money in the safe. Shoplifting losses are categorised as "stock loss" with their own limit on the schedule.
Cannot see your question? Speak to a broker on 0800 123 4567.
Why brokers, why us
FCA regulated
Authorised and regulated by the Financial Conduct Authority.
45 years broking
Long-standing relationships across the UK insurer market.
Named broker
A direct line to the same person at quote, renewal and claim.
Independent
No tie-ins. We use the market that fits the retail type.
● Cover that often sits alongside this
Ready when you are
Two minutes to tell us about the shop. Terms back from a specialist retail panel. Your named broker on the file from day one.
