Retail & Shopping insurance
Retail insurance made simple with Premierline
Explore popular retail types in detail
Groceries & convenience retailers
From small deli shops to medium grocery and convenience stores. Whether your food retail business operates on a high street or near a residential area, we can arrange bespoke retail insurance to ensure your shop is covered.
Speciality retailers
We have many years of experience in helping thousands of speciality stores with their insurance requirements. From speciality stores that sell a narrow range of products or speciality products and services such as clothing retailers, cycle shops and newsagents.
Large home retailers
From medium to large stores arranged into departments to showrooms to showcase products to order. We can tailor shop insurance policies for retailers stocking goods directly from the manufacturer, selling stock to order or selling large, bulky or bespoke items to customers.
Can't see your type of retail store?
We arrange insurance for many retail businesses so speak to an advisor today
Compare & buy cover online
If you know the covers you require, it’s quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Request a call back
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you
0333 320 6009
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.
Lines open Monday to Friday 9:00am–5:00pm
Retail insurance packages
Depending on your needs, we can usually arrange retailer cover as a single package or design a bespoke risk management solution to ensure your business activities are protected.
Typical contractors & trades insurance covers
Any retailer will understand the risks involved in running a shop. With a high footfall of customers and a wide range of stock you need retail insurance in case something unexpected happens.
Retail covers to consider
Public liability insurance
Contractor public liability insurance covers your duty to clients and members of the public for accidental injury or damage to their property. For example, contractor public liability would cover you if you accidentally knocked over a customer's vase and it smashed on the floor while working at their property.
Employers' liability insurance
If you have staff, then you have a legal obligation to protect them against injuries whilst they are at work. That's why employers' liability insurance can be added to your contractor insurance to protect you should you have to pay compensation for an injury to an employee caused by your business activities.
Buildings cover
If you own the building you trade from, it’s important to protect this asset. The unexpected can happen at any time such as a fire, flood or storm so its vital to have the right insurance in place to cover repairs and/or rebuild costs.
Contents & stock
As a retailer you’ll need to protect your contents and stock as part of your retail shop insurance policy. Protecting your stock and contents can help minimise any disruption caused by unexpected damage at your shop. You never know what’s around the corner so it’s essential you’re covered.
Business Interruption Insurance
Business Interruption Insurance
Business interruption cover can also be incorporated to protect your turnover should you suffer damage at your premises that would affect your ability to trade.
Goods in transit
Goods in Transit insurance covers items from theft, loss or damage while they are being transported by vehicle from one retail premises to another in the course of business. For example, goods in transit could cover moving stock from a wholesaler to your shop should something go wro
Money cover
No matter how careful you are with retail business takings, money can still be stolen or go missing. For example, someone could break into your shop and steal cash from a till, locked box or safe. Money cover can protect your retail business against such losses.
Business legal expenses
No matter how carefully you run your business, there’s still a chance you’ll need legal counsel at some point. At any point your retail business could be exposed to high legal costs even if the claim against you is unfounded.
Retail insurance FAQs
What insurance covers do retailers need?
Retail insurance policies will typically contain a number of covers that are all combined into one convenient package, designed with retailers in mind. Public liability cover and employers’ liability cover are a fundamental part of your retailer insurance policy to safeguard your livelihood against accidental injury to anyone that visits your shop or one of your employees.
Another priority would be your contents, stock and even buildings, if they are owned by you. Shop insurance policies will also typically include cover for money, goods in transit and business interruption cover, which can protect your income and cover your expenses if your premises suffers damage meaning you are unable to trade. All of these covers can be included within retail insurance policies
Do I need retail insurance?
A retail insurance package is something you should consider. It’s an important insurance as it will provide you with the peace of mind that your premises, stock, employees and customers are protected.
If you employ staff to work in your retail business, in most cases employers’ liability cover is required by law. It protects you against any claims for compensation following an injury sustained by any of your employees whilst working in your shop.
How much does retail insurance cost?
The cost of your retail insurance will depend on your retail activities, what you sell, the location and the amount and type of covers you require to protect your retail business. Like any other insurance, generally the more cover you require the higher the premium.
The value you gain from having the right cover in place is a huge benefit to your business. A retail insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope that you will never need to call on.
Why choose us to arrange your retailer insurance
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
We compare quotes from leading insurers
“Called to add building cover to our policy. Very straightforward with clear and concise information. Phoned back after clarification of a point was required. Would recommend the service and will continue to use them for all our business insurance requirements.”
Photo Processing & Printing Shop
Customer since May 2022
Speak to a retail insurance expert
With many years’ experience helping retailers arrange their insurance, we are experts that understand the covers that are relevant to different trades in this sector. We are dedicated to supporting you for the duration of your policy and are here to make arranging your retail insurance simple and hassle free. Get a quote today.
Compare & buy cover online
If you know the covers you require, it’s quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Request a call back
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you
0333 320 6009
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.
Lines open Monday to Friday 9:00am–5:00pm
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