Shop & Retail Insurance

Prosure offers Shop Insurance (also known as Retail) for a wide range of clients including those located on the High Street, within Shopping centres, out of town retailers and online traders.

We access the majority of Insurers in the UK market so provide competitive premiums to help you save money.

What does a retail package policy cover?

Buildings (if required – many shops are rented from Landlords)
Tenants improvements and decorations (counter, air conditioning units, items that you added which are not covered by the Landlords building policy)
Stock, including high risk items (tobacco, alcohol, jewellery etc.), computers and other fixtures and fittings
Business interruption (normally 24 months as standard on Package policies)
Public Liability (normally £2m which is sufficient for smaller retailers). Online traders can require higher limits, plus you need to consider if stock is sourced from outside of the E.U. as this can impact on product liability
Employers liability
Money/Personal Accident and assault
Glass – where the shop front has a significant glass area and you maybe liable for this as the tenant
Goods in transit

What You Need To Know

Public Liability

Because Shops are in contact with customer’s public liability insurance should be a priority.

The Law

Employers Liability is required by law

Package Policy

Shops policies are sold in a Package format, in basic terms you get all of the above covers and more, designed specifically for Retailers, under one policy.

What should I do now?

In addition to providing a quote for the specific insurance you have searched for, we can review your other insurances at the same time, including (but not limited to) buildings, public liability, business-interruption, fleet, engineering and stock.

Speak directly to an experienced Broker on: 01225 657 850       Or, email us now:


Accreditations
& Regulatory Information

Prosure Insurance Services is an Appointed Representative of TEn Insurance Services which is authorised and regulated by the Financial Conduct Authority.

Registered in the United Kingdom under Company Number OC389721.

Prosure Insurance Services is registered under the Data Protection Act 1988, reference 2A035652.

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