Shop & Retailer Insurance

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Insurance quotes for shops, stores & retailers

Providing dedicated protection for retail businesses

Each and every shop is unique, each with their own different demands and needs when it comes to insurance. At The Insurance Octopus we understand this and this is why we tailor our retail shop insurance packages to meet your stores specific needs. We can even give you increased stock cover during peak periods if needed, to cover periods such as Christmas and Easter; in some cases for no additional cost. So whether you’re on the high street or run a shop from home we can provide the right cover to give you ultimate peace of mind, with cover available for a wide range of retail businesses. Our friendly team of insurance experts are on hand to make the process of buying insurance for your shop stress and hassle free.

Shop insurance is an absolute necessity if you are looking to open a retail store, or if you already have one open. It is a sad truth that, in any business, you are at risk of problems; these problems can be caused by human error or sheer misfortune. In either case, though, it is vital that you are as safe as you can be.



What your shop insurance policy includes



With a wide range of covers available we can tailor a policy to fit your shops unique needs, ensuring you’re adequately covered for the specific risks your retail business may face.

Public & Product Liability cover:
Available as standard from £1 to £5m, with higher limits 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.

Shops need members of the public inside them to turn a profit, it is as simple as that. To that end, you will certainly want to ensure you have public liability insurance in place for your shop.

Employers liability cover for shops

Employers’ liability insurance is a legal requirement if you employ any staff in your shop. This sort of insurance protects you against the costs of employees making claims for compensation. If they are injured or fall ill within your shop, then this insurance will come into action.

If you do not have this particular insurance but do employ staff – whether they are permanent or part-time – then you could be fined, so this is an easy choice to make.

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

Cover for your store premises:
Buildings insurance covers your shop premises against risks such as storms, fires, floods, earthquakes and vandalism amongst others.

If you run a shop and that shop is flooded because of a fault in the infrastructure, or if there is a fire, for example, you need insurance in place to cover you. This sort of insurance will also cover fixtures and fittings, meaning that you can feel safe in the knowledge that your structure and interior are covered in the event of an emergency.

Business equipment cover

Equipment insurance for shops works in a similar way to stock insurance, except that it’s specifically designed to protect your essential equipment needed to run your shop. If your point of sale system is covered, for example, you can replace it if it’s damaged. Likewise, if you have a computer system to track stock and anything else, it can be covered by equipment insurance.


Types of shops we cover



As a broker we provide cover to over 100 different shop and retail store types – from butchers to bakers, to pet shops and newsagents’. Whatever your shop type we’ll always look to provide the right cover at a fair price.

Full protection for all your retail needs with added
cover during peak periods for no additional cost

Selling products online?

We can cover you for that too with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

Comparing shop insurance quotes

The Insurance Octopus compares quotes from a range of insurers ensuring we deliver the right cover for your business at a price that’s right for you. In addition, we have the ability to bolt on extra covers that you won’t necessarily be able to get from other shop insurance providers.

Why choose The Insurance Octopus for Shop Insurance?

We proudly make buying insurance different and our cover comes with a range of benefits.

Up to £5 million of cover

Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more available upon request.

Fast specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

A expert who knows your industry

We'll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

Octopus customer rewards

We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

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Shop Insurance FAQ's

Get the answers you're looking for

How much coverage do I need?

Every business is different so when it comes to deciding on your levels of cover you’ll want to make a few considerations

  1. Think about the possible extent of compensation claims if something went wrong
  2. Think of the typical cost value of all stock
  3. Think about any costs you may well incur in the event that you need to defend yourself and your business in court.

How much coverage do I need?

Benefits of having retail 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. Add in the added risk of claims made from the public should they injure themselves whilst on your premises and you start to see just how and where a comprehensive shop insurance policy will really help. The peace of mind offered to retail store owners in the form of shop insurance is truly massive, so it’s always worth having conversation with an insurance specialist to discover what cover you might need for your business.

Benefits of having retail shop Insurance

What is 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, and storm, amongst others. This could be vital to some businesses dependent upon the length of time they are unable to trade.

What is business interruption cover?

Understanding product liability for shops

If you sell and supply products to the general public then you have a responsibility to ensure that the products are safe. While not a legal requirement product liability ultimately protects your business in the event that injury or property damage is caused by a faulty product you sell or manufacture.

Understanding product liability for shops

Do I need buildings insurance?

Do you own your shop premises? If so buildings insurance should be a top consideration. In some instances where you don’t own your shops building you may also be required to have your own buildings insurance policy in place, so it’s worth checking the terms of your lease to find out if that is the case.

Do I need buildings insurance?

Do I need goods in transit cover?

With Goods in Transit cover in place we’ll be able to cover you if your goods are lost or damaged while in transit. Even if they’re in transit with a third party such as Royal Mail or DPD. A very useful cover for shops to have as their goods may regularly be in transit.

Do I need goods in transit cover?

How shop insurance works

Examples of Shop Insurance in action

A £10,000 case of soiled stock

Following severe and heavy rain fall a clothing shop discovers that almost half of their stock has been soiled due to rain creeping in via a leak in the roof brought on by the severe weather. The shop has up to £25,000 worth of stock cover in place and is thus adequately insured and can be compensated via their insurance for the damage caused.

A £25,000 slip at work

An employee of perfume shop is involved in a fatal accident at work – having slipped and badly injured their back on an unsigned posted wet floor. The employee commenced legal proceedings against the shop, claiming for the cost of medical treatment, compensation and legal expenses. In this case the Employers liability insurance element of the shop policy would indeed cover the claim, paying out for the costs of treatment, compensation and legal expenses costs brought on as a result of the claim.

Other types of Retail Shop Insurance we can provide

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