Shop Insurance for Small Businesses
- Tailored cover sourced for your shop
- Compare quotes from a range of insurers
Retail Shop Insurance
Whether you manage a coffee shop, florist, bridal shop or newsagent, we’ve got you covered with a range of Shop Insurance quotes. We can source and create bespoke packages for a variety of retail businesses – including pet shops, newsagents, butchers and bakeries. Therefore, if your business is based in a shop, we’ll ensure you have the right level of business insurance. Through The Insurance Octopus, you get to personalise your policy, only paying for the cover you need, based on specialist guidance from a Feefo Platinum awarded company. With flexible payment methods and a supportive team to boot, you get the Shop Insurance policy that keeps yours protected.
You can get a quote in a matter of minutes. Simply fill in our handy form, or request a call back, and we’ll take you through our range of options. If your business needs ever change, then we can update your retail insurance policy too, hassle-free. At The Insurance Octopus we don’t charge administration fees for mid-term adjustments, ever.
What may be included in a Shop Insurance package?
Public Liability Insurance
You’re in charge of the safety and welfare of every single one of your customers. With standard cover ranging from £1m to £5m, we can keep their belongings protected, and any accidental injuries supported.
Employers Liability Insurance
Should you have staff, contractors or volunteers, it’s a legal requirement to protect them with this policy. If they become unwell or injured while working for you, the policy pays out the compensation, rather than you having to pay out of your own pocket.
Inventory Damage Insurance
Could your business survive without its stock? Keep it protected against damage or theft with the right insurance. Your insurers will pay the cost to replace your stock, so your customers will still be able to find everything they need when visiting your shop.
Cyber Theft Insurance
Operate online? We can find protection for your business against hacks, cyber attacks and loss of data, and even cover investigation costs, as well as restoration processes.
Why Your Small Business Needs Shop Insurance
Shop Insurance or Retail Insurance through The Insurance Octopus can protect your business from Stock Damage and Theft, as well as Cyber Attacks, Personal Accidents and Public Liability. These risks can be detrimental to the smooth running of your shop if they aren’t dealt with in an efficient manner.
You should choose The Insurance Octopus because:
- We can find one policy to cover your stock (and take into account seasonal increases), public, product and employer liability and pay for legal expenses too. Along with Online Cover and Cyber Insurance, we source policies that meet the needs of shops including bakeries, boutiques and bridal shops, as well as florists, newsagents, cafes and fish and chip shops.
- Should any of your stock or contents be damaged, stolen or destroyed, insurance for shops can cover the costs, ensuring you can replace them in no time.
- It can cover the legal costs of hiring solicitors, court cases and compensation, which could otherwise have a lasting damage on your business reputation and financials.
- It shows a duty of care to your customers, staff, local area and members of the public, as well as protecting you should you be caused harm.
- Life is full of unexpected events, so you know that should one catch you off guard, you have a specialist team of insurers that can get you back on track.
Finally, you should choose shop insurance quotes through The Insurance Octopus because our specialists within the retail space ensure your Shop Insurance is not only competitive, but meets your business needs precisely.
Protect your business against:
- Employer Liability
- Stock & Inventory Damage
- Storms, Fires, Floods, Earthquakes and Vandalism
- Business Interruption
- Loss of Money
- Cyber Attacks & Threats
- Workplace Injuries & Accidents
What Types of Retail Insurance Can We Find Cover For?
At The Insurance Octopus, we know that no two shops are ever the same and, therefore, we believe their shop insurance policies shouldn’t be either. We find cover for a wide range of shops and retail establishments, including but not limited to:
This list is not exhaustive, so if insurance through us sounds like the ideal proposition, then please contact us today on 0161 968 2060.
Compare Shop Insurance Quotes
- Tailored cover sourced for your business
- Compare quotes from a range of insurers
Protect Your Business with Competitive Shop Insurance Rates
Sourcing protection for UK retail businesses
We know that as shop owners, you take pride in running your business, and a lot more goes into its operation than simply selling stock. If you’re a florist – you guide customers on the right flowers for the occasion and ensure correct delivery for the ultimate in floral design. If you run a pet shop, you take care of all the animals until they’re sold, ensuring their new owners know all they need to ensure their new furry friends have the best possible life. Bridal shop owners – your knowledge of body shape and fashion can really make or break a bride’s confidence, and your array of dresses can make or break your profit margins. If you deal with food – whether you run a bakery, butchers, fish & chip shop or cafe – your health and safety standards need to be up to code and your recipes need to be delicious to ensure repeat business. With your service level and product offering being paramount to your success, when something impacts these negatively, the ramifications can be explosive. Especially when it comes to bodily injury, food poisoning and cyber attacks, how you respond is important for future success. With the right business insurance policy through The Insurance Octopus, we’ll ensure you’re covered.
With a fantastic reputation within the industry, our award-winning team can provide you with specialist guidance and support when it comes to finding the best policy for your retail establishment. Discussing everything from Public, Product and Employers Liability through to Seasonal Increases, Stock & Contents cover, we’ll find you a range of Shop Insurance quotes that match your needs and will protect you when required. The claims process is straightforward too, giving you one less thing to worry about should the worst happen. You’re never alone with The Insurance Octopus, and should you need us, we work tirelessly to make things better as quickly as possible.
We’ve Got Your Shop Insurance Quotes Covered
A Shop insurance policy or Retailer insurance policy provides comprehensive business cover in one single policy that comprises a range of key covers. Suitable for shops and retail businesses including those looking for Bakery Insurance, Boutique Insurance, Butchers Insurance and Pet Shop Insurance. Shop Insurance quotes can also include Florists Insurance, Newsagents Insurance and Café Insurance, as well as small shop insurance. Retail Insurance provides protection for your business, and can be created to meet your business’ Shop Insurance needs, and the specific risks your retail business may face.
Retailers choose Shop Insurance policies through The Insurance Octopus because they accommodate for a range of different Shop Insurance risks under one insurance policy. For example, Product Liability Insurance, Public Liability Insurance and Employers Liability Insurance can all be included in your Retail Insurance quote, as can Cyber Insurance, Online Cover and Business Interruption Insurance. Combining a range of useful insurance covers under one policy makes the Shop Insurance claims process, as well as the renewal process, far easier. Insurance for shops can also save your retail business time, and due to its tailor-made cover, can be added to, and taken away from, so that your Shop Insurance policy becomes a more worthwhile business expenditure as your shop expands and diversifies.
So whether you’re after Shop Premises Insurance, Loss of Money Insurance, Business Legal Protection Insurance or Contents cover, we can research for you and more within a Retailer Insurance policy or Shop Insurance policy. For your Shop Insurance quote or Retail Insurance quote, please contact us today on 0161 968 2060.
“I thought matters were dealt with in a proper and clear manner. I would definitely ask them to ask them to consider insuring me again. The Insurance Octopus were much less expensive than my previous insurance broker. I was impressed by the person who dealt with me, he was patient and helpful.”
We are rated by our customers
It’s this feedback that helps us keep on improving our services and options, so drop us a line and tell us what you think.
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What Is Retail Business Insurance?
Similar to Business Insurance, Shop Insurance is aimed at retailers who are looking to protect their retail business from threats such as theft by employees, inventory damage and Public Liability cases. Retail Insurance considers the risks involved with running your high street chain, independent store or boutique, and recommends insurance policies that will keep your retail business safe. For example, the level of Stock cover needed for Fish and Chip Shop Insurance, Pet Shop Insurance and Florists Insurance may vary greatly, and dependent on retail space and location, the level of Shop Premises Insurance and Business Interruption Insurance too.
If your retail business is located in an area prone to flooding, then you may also want to consider Stock & Contents Insurance, Fixtures & Fittings Insurance and Portable Equipment Insurance – as the value of Retailer Insurance outweighs the costs of replacing and repairing key business functionality. Requesting specific flood cover is also a good idea. Retailer Insurance acts as a safety net, giving retailers peace of mind knowing that their retail business is protected as specified in their insurance policy. If you’re looking for Retail Business Insurance that puts your needs first, then we know you’ll find this through The Insurance Octopus.
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What is Online Retailer Insurance?
Being an online retailer – or having an online presence as well as physical stores – provides your retail business with many advantages. A wider range of customers. A place to showcase your product offering. A website to link to through social media campaigns. But online retailers still face risks that should be accounted for, and this is where Online Retailer insurance can help. Online Retailer Insurance can cover you against:
- Property damage and injuries caused by the products you sell online.
- Employees who get injured or ill as a result of working for you.
- Your financial losses if an unexpected insured event stops you trading.
- Loss of, and accidental damage to, your stock and business equipment.
- The costs of keeping your business going if you have an accident.
Online Retailer Insurance can also provide cover for packages that go missing, as well as stolen stock, and if combined with Cyber Insurance, your online shop will be protected from data breaches, hacking and other forms of cyber security risks too.
With Online Retailer Insurance through The Insurance Octopus, your online shop can function at full force, and resume business activities as quickly as possible.
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Our Process: Choosing the Right Retailer Insurance for You.
If the thought of switching insurance policies seems overwhelming, then you’ll love how simple and stress-free we make the process:
To get a quote, click here. Our quote form only asks for personal details such as your name, company’s name and telephone number, as well as information relating to the type of shop you own, your annual turnover, your trading status, the number of employees and whether you’ve made any claims in the last 3 years. We’ll then get in touch to discuss shop insurance quotes.
You can then request a call back at a specific time, or if you fill in our online quote form, we’ll call you back immediately. We can also source and create personalised quotes not available online, passing the savings onto you.
When we’ve taken you through our range of sourced options and you’ve chosen the policy that’s right for you, we’ll carefully process the information you have given us and your cover can start immediately. Your policy documents will be sent via email in most cases within 24 hours of purchasing your insurance.
When it comes to policy renewal, we’ll contact you again via email and letter before the policy ends. If you would like to change or update any of the policy’s terms, please let us know and we’ll sort this out for you.
Easy as pie right? If you’re looking for Shop Insurance from an insurance broker that can offer you competitive quotes, then please contact us today for your free no-obligation quote.
“An efficient and understanding service. I was pleased with the knowledge the consultant had about my type of business. I was listened to during the quote process and the offer meant that I was able to save money on insurance this year.” – Jacqueline Mitchell
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How To Make A Claim
We can’t always control what happens to us, but we can control the impact it has on your business. If you ever need to make a claim on your insurance, we’ll help you get that control back. We make the process simple:
- Check your insurance policy and ensure that you’re covered for what has happened.
- Report the incident to your insurer, taking note of dates, times, key facts and details of what has happened. If theft or malicious damage is involved, ensure that you discuss this with the police too.
- When discussing this with your insurer, having your policy document, receipts for anything stolen or damaged and any information that you feel will help your cause will make the process go far more smoothly.
- If your claim is unsuccessful, or you run into any issues or areas of concern, then please give our team a call on 0161 968 2030 to discuss this further. We’ll contact your insurer and find out what’s going on, and try our best to remedy the situation.
- Your insurer will then process the claim as quickly as possible, and all being well you’ll receive your compensation in a matter of days.
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The Benefits of Commercial Shop Insurance and Retail Insurance
Shop Insurance through The Insurance Octopus is there to protect your bakery, boutique, butchers, florists, café or pet shop from risks such as inventory damage, theft, data breaches and slips, trips and falls. It only takes one unexpected event to turn your shop on its head, but with Shop Insurance, you can turn things around for the better. It ensures that you, your staff and business can cope with cases of Product and Public Liability, Business Interruption due to supplier issues, fires or flooding, and any claims regarding your online retailer shop. It may seem like another expense, but consider how much more a compensation claim could cost, especially where ongoing medical costs are concerned. Taking out insurance for your fish & chip shop, newsagents, boutique or pet shop through The Insurance Octopus ensures you have access to underwriters at many leading insurers, and that we can source a personalised policy that meets your budget and needs.
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Why Choose The Insurance Octopus
We have extensive experience with a variety of retail businesses, including everything from bakeries, boutiques, bridal shops and butchers to coffee shops, fish & chip shops, florists and newsagents. Along with pet shops, retailers, sandwich shops, off-licences, tearooms and cafes, we know we can find the perfect Shop Insurance policy for your business.
We also find cover for online shops, protecting your business from claims of bodily injury, missing packages and unmet deliveries, along with any claims you need to make in terms of business interruption due to website downtime.
We are an award-winning team of insurance specialists with over 50 years’ of industry experience, which our clients can’t seem to get enough of. Our reviews, testimonials and feedback showcase our dedication to the cause, and how committed we are to our clients.
Bespoke business insurance policies are designed to allow you to simply add, remove, increase or decrease any and all areas of your policy. Your Shop Insurance policy can include all of the cover you need, in one single document.
There are never any mid term fees or hidden charges within your policy. We’ll go through your policy with you right from the start to ensure that there are no unexpected costs, and that you’re clear on what you’re paying for.
Keep your contents, stock and business safe with the right policy through The Insurance Octopus.
“Really helpful advice and a great recommendation to help us find the perfect insurance provider for our business and a great price too. All sorted very efficiently and quickly.” – Bella Figura
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Case Studies
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 a 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.
Store Insurance and Online Retailer Insurance: Things to Know
When it comes to choosing the right Shop Insurance quote or Online Retailer Insurance quote for your business, there are many things to consider. Not all tearooms make the same amount of money. Not all pet shops sell the same stock. You may be a boutique fashion retailer in the centre of town facing extensive competition, but your product offering could vastly differ from those around you. What makes your shop unique is what draws your customers in, and therefore, you deserve a broker that understands this and can provide a policy that accounts for a Shop Insurance claim that comes your way.
You don’t need to settle for a Shop Insurance quote that includes expensive cover you don’t require. You don’t need to fork out thousands for Product Liability claims that weren’t your fault. When it comes to selecting a Shop Insurance quote or Online Retailer Insurance quote, you should feel confident that your insurance policy will provide you with the shop cover you require, so that when you need it the most, you aren’t faced with overwhelming bills, expensive court cases and compensation claims.
With a Shop Insurance policy or Online Retailer insurance policy through The Insurance Octopus, there’s no hidden fees, unnecessary add ons or upsells that waste your money. With honesty and transparency, we’ll talk you through a range of Shop Insurance quotes and Online Retailer Insurance quotes, ensuring that you’re fully aware of what you’ll be getting for your money, and how the cover benefits you and your business. If this sounds like the kind of insurance broker you need, please call us today on 0161 968 2060 or fill in our shop insurance quote form here, and a member of our insurance team will be in touch.
A Quick Guide To Retail Insurance
A Shop Insurance quote and a Retail Shop Insurance policy through The Insurance Octopus can provide extensive Shop Insurance coverage for a range of Retailer Insurance needs. We understand that Retail Insurance, Small Shop Insurance, Bakery Insurance and Butchers Insurance requires a bespoke approach, as does Florist Insurance, Newsagents Insurance and Pet Shop Insurance . Therefore, to ensure you choose the right Shop Insurance policy for you, we provide a rundown of the main types of Retail Insurance policies that you may want as part of your Shop Insurance cover.
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Shop Employers Liability Insurance
At The Insurance Octopus we source £10 million Shop Employers Liability Insurance, providing Shop Insurance or Retail Insurance cover for bodily injury, mental injury or other insurance claims made against you by employees and part-time employees.
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Shop Public Liability Insurance
Public Liability Insurance can protect your shop or retail business from compensation claims of accidental bodily injury, accidental damage to personal belongings, costs of medical treatment and where insured, Shop Insurance cases that involve costs incurred by the NHS should they claim this from your shop or retail business.
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Shop Product Liability Insurance
Product Liability Insurance will provide Shop Insurance or Retail Insurance cover for any harm your customers experience – such as from a faulty toy or tampered food source, which may result in expensive hospital fees, medical costs and Retailer Insurance claims.
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Shop Loss of Money Insurance
Loss of Money Insurance will provide cover for: money stolen during retail business hours; money stolen while in a bank night safe; money stolen while locked in a safe while your shop or retail business is closed; money stolen while not in a locked safe while closed; and money stolen while in transit.
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Retailer Business Interruption Insurance
Business Interruption is a useful Shop Insurance policy that covers the lost profit and revenue as a result of not being able to trade as normal – perhaps due to fire, flooding or vandalism.
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Retailer Stock Insurance
Stock Insurance as part of your Retail Insurance quote or Shop Insurance quote can provide compensation should your ingredients, finished products and stock be damaged or stolen. Under Retailer Stock Insurance, we can also cover the business equipment needed to run your shop, including point of sale systems, computer systems and necessary machinery such as ovens and microwaves – when combined with Contents Insurance cover.
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Shop Seasonal Increases Insurance
Seasonal Increases Insurance is great for shops and retailers that see fluctuations throughout the year. Perhaps you sell more toys during the holiday season? Maybe you sell more cake during Easter? Seasonal Increases Insurance will insure these seasonal increases of stock up to the amount allowed by your insurer, so that if anything were to happen to them, you’d be financially covered and compensated.
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Cyber Insurance
Cyber Insurance protects your shop or retail business from the financial and reputational costs of data theft, as well as the damages involved with electronic systems being hacked or stolen. Cyber Insurance for shops can cover the costs of the cybercrime – for example, by restoring computer systems, losses related to having to close your shop and any third party damage that relates to GDPR. GDPR claims can go into the millions, so shops and retail businesses would be wise to take out Cyber Insurance.
We can also find Shop Insurance quotes and Retail Insurance quotes for Personal Accident Insurance, Fixtures & Fittings Insurance and Online Cover, as well as Portable Equipment, Business Legal Protection and acts of Terrorism. Offering Shop Insurance or Retail Insurance policies – including Bakery Insurance, Florists Insurance, Newsagent Insurance and Pet Shop Insurance, through The Insurance Octopus, we’ve got your shop covered. Get in touch with us to discuss your new Shop Insurance quote and Retailer Insurance policy today.
Retail & Shop Insurance FAQs
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What are common food insurance claim types?
Working in the food industry can be tricky, on top of all the challenges that any business faces, food retailers and suppliers have to think about other types of food insurance claims that are more common than you think. For example:
- Food becomes unfit for consumption when a fridge or freezer breaks down.
- A customer unwittingly eats something they are allergic to, but weren’t aware it was an ingredient.
- Customers develop food poisoning after eating food prepared on your premises.
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Can you insure the improvements you make to your takeaway shop?
Yes, if rented, we can insure most improvements that you make with the landlord’s permission to your shop. These improvements can be permanent or temporary, including fixtures, alterations, installations or any other additions that improve the premises. The landlord’s insurance policy won’t pay for the cost to reinstate the improvements as a result of a claim as they belong to you. For example we can help you insure against loss or damage to your improvements if you install a new display, signage or counter.
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What level of public liability insurance does my takeaway need?
Public liability insurance effectively protects you should a member of the public be hurt on your premises. So, the level of cover required by your take away depends on various factors. These include the size of your business, the equipment you use and the potential extent of any injury that could be caused resulting in compensation claims when something goes wrong. Complete our online quote today or call our team and we can help you determine the right level for you.
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What level of indemnity cover do I need for my sandwich bar?
No two sandwich bars are the same, and neither is the level of insurance cover they require. There are many factors to take into consideration when determining the level of cover you require such as the number of employees you have, the location of your premises, the value of your stock and contents, if you own the building or not and your business hours. Call our team today and we can guide you through the key things you need to think about.
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Do I need buildings cover if I rent my premises?
When sourcing your business insurance policy, it is important to consider the building your sandwich shop uses in case anything happens to it. Although it is generally the landlord’s responsibility to have buildings insurance in place, you should check what it covers as you may be responsible for items such as shop fronts and or glass. Don’t worry if you are responsible for insuring some or part of the building under your tenancy agreement because we can add the cover to your policy.
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Get In Touch Today
They say time waits for no man, so there’s no time to waste. If you’re in need of Shop Insurance, please contact us today on 0161 968 2060 and our team will be happy to help.
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