Shop & Retail Insurance

What is Shop and Retail insurance?


This is a tailored package insurance policy that provides cover for the most common risks facing shop and retail  businesses selling clothes, homeware, jewellery, toys, electronics, tools and a multitude of other goods. Exactly what your insurance policy covers depends on what you are selling and how and where you are sourcing your goods from.

Coverage can be tailored to the specific needs of the but commonly cover is included for:



Other Coverages that can be added:

  • Business Interruption

  • Personal Accident

Is Shop and Retail insurance compulsory?

Aspects of your insurance policy are compulsory such as Employer’s Liability whereas others provide resilience for the business. Depending on your business model, whether you are a shop that sells both online and through physical premises, or you work from a warehouse or if you dropship, you will have a unique combination of assets, liabilities and Revenue stream that you will need to protect to ensure the longevity of your business. 

If you have stocking high value or target stock such as jewellery, electronics or certain others you will need specialist extensions to your insurance policy.

A major risk factor for online businesses are cyber risks. If your website is your shop front and that is hacked and corrupted leaving you unable to take new or fufil existing orders your business could be crippled.

If you are importing and exporting goods then there are a number of considerations to ensure your goods are protected both when they are coming to you and when you are sending them to clients. Where you are sending or sourcing goods from has a major impact on the cost and extent of products liability insurance that you need and you may want to consider if you need to invest in products recall insurance, especially if you are also a maker or manufacturer.

Where can I get a Shop and Retail insurance quote?

Contact us at or call 0203 432 0270 and we will talk you through the options.