How to get the right Shop Insurance Policy for your Business

Running a successful shop can be as difficult as it is rewarding. You already have enough things to consider without worrying if your shop insurance policy is comprehensive enough to protect you against all eventualities.

Insure your shop against the unexpected

How much would it cost to replace your stock if it was destroyed or damaged in a storm, flood,  or fire, or even by vandals? Could your business survive if you needed to put a closed sign on the door for weeks or months on end?

With the right level of financial protection you can relax knowing your business can survive whatever the world throws at it.

Consider other people involved in your business

Beyond the bricks, mortar and contents of your business you also need to consider the risks presented to your employees. Whether your workforce is permanent or temporary you need to know you can afford to pay the legal fees should they be injured during the course of their employment or raise any other disputes.

Every shop owner faces similar challenges, from florists to coffee shops and newsagents to takeaways there are always customers, employees, suppliers, licensing officials and landlords to deal with and that means you need to be protected against third party liabilities too.

The essentials for your shop insurance policy

  • Buildings cover: Protection for your shop, office or warehouse
  • Contents cover:  Insure your stock, equipment and other assests
  • Public liability insurance: Protect your business against third party claims
  • Employer’s liability insurance: Cover for any injuries caused under your employment

Optional extras for your shop insurance cover

  • Cover for tools and equipment
  • Stock protection (Goods in Transit)
  • Contract Works
  • Temporary employees
  • Personal accident
  • Legal expenses

Compare the market for the best shop insurance deal

If you are not sure what cover your business needs we are here to help. The Insurance Octopus can offer specialist information on the insurance cover your retail business may need. A dedicated consultant can discuss your requirements and then go compare the best shop insurance deals on the market in less than 10 minutes.

As a broker we can compare prices from a wide range of potential insurers and carefully select the right policy for your business. Often the right deal for you is only available via a broker, even if you go direct you could end up paying for elements of cover you don’t need.

Whatever your business you need to know you are covered. Talk to us today about your Shop Insurance.