Retail and Shop Insurance

Retail and Shop Insurance


Every shop is unique and therefore each business demands are different. At The Insurance Octopus we understand this and we tailor retail and shop insurance packages to meet your specific needs and can even give you increased stock cover during peak periods, such as Christmas and Easter; in some cases for no additional cost.

The Insurance Octopus can help you compare shop insurance quotes tailored around your exact needs.  Talk to us today and allow us to compare quotes for your retail and shop insurance.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

What your Retail and Shop Insurance Policy includes


Public Product & Employers Liability cover

Public Liability insurance cover is available as standard  from £1 to £5m, higher limits are available upon request. Should one of your customers be hurt, or their property become damaged as a result of your, or staff members negligence, public liability insurance will protect in the event of a claim against the business.

Employers Liability insurance cover is mandatory if you have one or more employees. Employers Liability cover comes as standard at £10m and will protect you, as the employer, against claims from your staff should they be hurt when working for you.

Product Liability covers you in a similar fashion to Public Liability, with the difference being  you are protected  from any product that causes injury/damage to a customers property

Stock, Contents, Money Cover

This covers you for any loss of stock, contents or money on the premises and enables you to replace all the above in the event of a claim

Accidental Damage

This enables you to make a claim in the event of an accident caused to the buildings and/or contents.

Buildings Insurance

This covers your building against risks such as storms, fires, floods, earthquakes and vandalism amongst others.

Optional extras

Optional extras available are legal expenses and cover for tools and equipment away from the premises on an all risks basis.

Have you considered Business Interruption cover?

In the unlikely event that something happens to your business premises, have you considered what impact this may have? Many businesses don’t and then suffer the consequences as a result.

Business Interruption insurance covers the loss of income from being unable to trade as a result of insurable claim such as fire,flood,storm amongst others. This could be vital to some businesses dependent upon the length of time they are unable to trade.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Compare quotes from a range of UK insurers

Ageas Aviva Axa Brit Insurance Chartis DAS LV Nig RSA Zurich

Benefits of Having Retail and Shop Insurance


As a retail shop owner, you are exposed to many risks and eventualities ranging from malicious damage to theft of stock and burglary.

Benefits of our policies include all the above plus increased stock cover during peak periods, such as Christmas and Easter in some cases at no additional cost.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

When you’re considering taking out a policy, one of The Insurance Octopus Shop or Retail specialists will discuss your business requirements with you and compare personalised quotes from a number of major insurance providers. You will get a bespoke policy that ensures you only pay for the cover you need. We can add additional policy covers, such as legal expenses and business interruption cover.

We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Speak to us today to get a quote

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm