Shop & Retailer Insurance

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Insurance quotes for shops, stores & retailers

Providing dedicated protection for 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 policy from The Insurance Octopus, we’ll ensure you’re covered.

With a fantastic reputation within the industry, our award-winning team can provide you with expert 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 and contents cover, we’ll provide you with 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, work tirelessly to make things better as quickly as possible.

So whether you operate from a premises or sell online too, get in touch with us today on 0161 968 2060 to learn more about our professional team, and the quotes that we can provide you with.

The Dangers Facing Shops & Retail Premises

We know that it can be pretty exciting being a shop owner or manager – regardless of the shop you run. Whether you’re providing a loving husband with flowers for his partner, a family with a new furry friend or a great dessert at your retail establishment, there’s a sense of joy in the great work that you undoubtedly do. However, we also know that some days are far from joyful, and when the unexpected happens, it’s you that’s left with egg on your face. The following are hazards that every shop owner should be aware of, so that you can put steps in place to not only prevent them, but protect you should they occur:

Slips & Trips

With the multitude of people walking through your doors every day, the likelihood of both customers and employees alike slipping, tripping or falling is one of your greatest hazards. Typical causes include liquid spills, objects left in the aisles and uneven floors, as well as weather-related dangers in entrances and exits that can leave people with injuries that require hospitalisation.


Shops are a big target for burglars, because they know that the continuous flow of customers throughout the day means that the till is being filled up all of the time. However, it’s not just theft that can leave you out of pocket: it’s the associated damage – to windows, fixtures, fittings and your safe, as well as to stock and contents, which may be stolen too.

Inventory Damage

Natural disasters can really take their toll on your premises, stock and contents – affecting your ability to do business. Especially if you deal with food and drink, power outages can result in product losses, especially from those that need to be refrigerated. If you own a bakery, butchers or cafe, then this is likely your worst nightmare.

Data Breaches

Digital criminals may target your online shop in various ways: a phishing scam may convince unsuspecting employees or customers to hand over their personal details and payment information. A distributed denial of service (DDoS) attack could interfere with the server your website runs on, preventing customers from purchasing items. Hacks into your point-of-sale (PoS) systems limit your ability to trade, especially if clients have no cash on them.

Along with halts in the supply chain and other causes of business interruption, there’s a lot that you, as a shop owner, should prepare for.

Why You Need Shop Insurance

Shop Insurance from 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 Shop Insurance From The Insurance Octopus Because:

  • In one policy we could 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, our policies meet the needs of shops including bakeries, boutiques and bridal shops, as well as florists, newsagents, off-licences and cafes.
  • Should any of your stock or contents be damaged, stolen or destroyed, Shop Insurance can cover their costs, ensuring that 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 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 The Insurance Octopus because our expertise within the retail space will ensure our shop insurance quotes are not only competitive, but meet your needs precisely.

‘’I had an urgent requirement to increase the level of cover on our policy due to an external audit from one of our clients. I didn’t hold out much hope of completing this in time due to it being between Christmas and New Year. I contacted Paula and advised her of the circumstances and the tight deadline.  Paula’s reaction to my request was outstanding. Her professionalism and the level of service she offered was exceptional. Needless to say that Paula managed to get the increased cover in time which resulted in our Company passing the audit with flying colours. I have had previous dealings with Paula and I would like to take this opportunity to say that she really is a credit to your organisation. I wish I had an employee, like Paula, working for my company that shows as much dedication and customer care as she does. I cannot praise her highly enough.’’ – Kevin Fitzpatrick

What Types Of Shops Can We Cover?

At The Insurance Octopus, we know that no two shops are ever the same, and therefore, we believe their insurance policies shouldn’t be either. We cover a wide range of shops and retail establishments, including, but not limited to:

This list is not exhaustive, so if insurance from us sounds like the ideal proposition, then please contact us today on 0161 968 2060 to discover if we cover your retail establishment and what else makes us a valued insurance partner.

Our Cover

Known for our excellent customer service and expert-driven approach, our reputation ensures that we partner with well-known and top-rated UK insurers, and allows us to negotiate the best prices and policies on your behalf. Our in depth knowledge of the insurance market aids these discussions, ensuring that you end up with the right policy for you and your retail establishment. Whether you’re looking for bakery insurance, tearoom insurance, florists insurance or cafe insurance, we can create a personalised policy to suit your requirements and needs, and keep you protected when it matters the most. 

Our award-winning team will provide you with a range of shop insurance quotes and offer guidance and support in picking out the right one for you. Our range of cover can include everything from public, product and employers’ liability through to seasonal increases, online cover and cyber attacks, so we are certain we can find your ideal solution.

In a single policy, our Shop Insurance could cover a range of the following:

Employers’ Liability

If you have full-time and part-time employees, or hire contractors, temporary staff, volunteers or those involved with training schemes, it’s a legal requirement for you to take out Employers’ Liability insurance. Employers’ Liability for shop owners protects them against the costs of employees making claims for compensation – for example if they become unwell or suffer an injury due to working with, or for, you

In the UK, Employers’ Liability for Shop Insurance can cover you for up to £10 million worth of claims. If you don’t have this type of insurance but do employ staff, you could actually be fined, so it’s always worth taking out this cover.

Public Liability

All it takes is one nasty accident to turn your cafe, tearoom, bridal shop or newsagents from one that is thriving to one that people avoid at all costs. As soon as a customer walks through your doors, you are responsible for their safety and welfare, and with Public Liability insurance from The Insurance Octopus, you can protect your business against claims including:

  • Damage to personal belongings.
  • Accidental injury while on your premises, or due to products that you have supplied.
  • Costs of medical treatment and transportation costs incurred by the NHS should they claim this from your business.

Our standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request, subject to your policy’s terms and conditions.

Product Liability

How would a faulty product affect your business? In today’s world where word of mouth and online reviews can determine whether people even set foot in your shop, ensuring you’re covered against any damage your products – whether they are edible, wearable or loveable – causes your customers is imperative to future success. Even if you don’t manufacture the products yourself, you may still be held liable, especially if your business’s name is on the products you sell, or you’ve repaired or made changes to said products. If a customer were to make a claim against your company, and be awarded damages, having a Product Liability insurance policy in place would cover the costs – including compensation and defence costs.

Your products make your business the success it is. Don’t let it be your downfall.

Shop Premises Insurance

With Shop Premises Insurance, your shop is covered against risks such as storms, fires, floods, earthquakes and vandalism, among other risks that could be detrimental to your operation. This will pay for the cost of rebuilding your shop, as well as costs associated with getting it up and running again. You may think a fire or flood will never happen to you, but so did our clients who have had to claim. 

If you rent your business’s premises, then it’s possible you won’t need this kind of insurance, but we always recommend contacting your commercial landlord to know for certain.

Loss of Money

Having worked in the insurance industry for over 10 years, we know that even the most secure of businesses can find themselves losing money via unexpected, forceful and even violent means. Whether you lose £500 or £5000, loss of money can hinder your performance, and negatively impact how well you do business. Therefore, Loss Of Money cover ensures that you’re insured against these losses to maintain your financial stability, minimising the disruption caused. 

We can provide cover for: money stolen during business hours; money stolen while in a bank night safe; money stolen while locked in a safe while your shop is closed; money stolen while not in a locked safe while closed; and money stolen while in transit.

Your money should always be yours to spend, not someone else’s.

Business Interruption

Business Interruption insurance can spell the difference between staying open and permanent closure for many businesses, especially when it comes to fish & chip shops, coffee shops, tearooms and cafes, as well as butchers, florists, bakeries and newsagents. Holdups with stock, a loss of license, vandalism, or even natural disasters such as flooding, a fire or storm damage can make trading impossible, and therefore it’s imperative you get up and running again as soon as possible. With Business Interruption cover from The Insurance Octopus, we can cover you against the loss of income and gross profit, supporting you back to trading, helping you to pay your staff and keep you in operation where rebuilds are necessary.

Fixtures & Fittings

Is your shop full of elegant shelving units, unique table designs and glassware that helps showcase your wonderful array of stock? Whether you’re selling delicious cakes, stunning bridalwear, fashionable clothing or aromatic flowers, you know that dressing your shop truly adds something special, and emphasises the greatness of your stock. Along with big bright signs that highlight your branding, we know that these fixtures and fittings are a real draw, and should anything happen to them, they could be expensive to replace. Our Fixtures & Fittings insurance covers loss of, and damage to these key pieces, as well as any structures you have built yourself.

Your stock is what you sell, but your image is what customers buy into.

Personal Accident Insurance

You care about your customers, but what about caring for yourself? Your safety is important to us, and therefore, it should be important to you too. Personal Accident Insurance provides compensation for accidents that include:

  • Loss of limbs or sight.
  • Permanent total disablement.
  • Temporary total disablement.
  • Temporary partial disablement.
  • Death.

We can help to cover the cost of medical expenses too, ensuring that your road to recovery is swift and beneficial. Covering you financially, you’ll also be protected against any potential losses to your business. You may be out of service, but that doesn’t mean your shop has to be.

Business Legal Protection

Also known as ‘Legal Expenses Insurance’, Business Legal Protection covers you against associated costs brought by or against your shop, paying for your commercial legal expenses. 

Our Legal Expenses Cover Includes:

  • Employment disputes, compensation awards and service occupancy.
  • Legal defence.
  • Property protection and bodily injury.
  • Tax protection.
  • VAT disputes.
  • Contract disputes.

We also provide all of our clients with a ‘Business Legal Services Online’ portal, where you can download a wide range of important legal documents. To aid employment dispute cases, we also offer a ‘Counselling Helpline’, where we’ll pay for trained counsellors to offer emotional help and support over the phone.

Solicitors and court cases can be expensive, but they don’t have to be at your expense.


If the last couple of years have taught us anything, it’s that acts of terror can happen at any time, and in any location. A truly destructive and devastating situation, it’s one that should always be prepared for, even if you feel the chances are slim to none. Our ‘Terrorism’ polices can cover damage to your property and any associated losses due to its interruption and interference with the business

Life is full of unexpected twists and turns, so it’s always best to be prepared for what’s around the corner.

Portable Equipment

Regardless of how careful we try to be, accidents happen and there’s no way to predict when we may fall victim to theft. Therefore, when it comes to your portable work equipment, which could be paramount to your successful operation, it could prove disruptive to your business should they be damaged or stolen. At The Insurance Octopus, we can provide cover for your portable equipment, providing you with compensation or replacements should you need it. So whether you use business mobile phones and laptops, or have industry-specific technology such as florist knives or pet cages, with ‘Portable Equipment’ insurance, you’ll always have the equipment you need to work at optimum capacity.

N.B. Your portable equipment may not be covered under your standard contents insurance, so make sure you check your policy to protect this equipment.

Stock & Contents Cover

What do bakeries, boutiques and fish & chip shops all have in common? They all rely on stock to keep them in business. Without delicious desserts and bread, stylish clothing and tasty recipes, these businesses would have nothing to sell, and therefore would take a hefty hit on their profit margins. The same goes for tearooms, cafes and pet shops too. Imagine how awful it would be discovering that all your stock had gone to spoil, had been damaged or stolen, or even worse, been destroyed due to a fire or flood. Whether you’re looking to protect your precious stock or take out cover for your personal belongings that you keep onsite, we can ensure that this is all kept safe, and provide compensation for any losses

Under this policy, 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. 

Losses don’t have to mean losing out. Protect your stock and contents with The Insurance Octopus today.

Seasonal Increases

We understand that your stock levels may fluctuate throughout the year, especially if you deal with seasonal ingredients and flowers. Along with busy periods such as Christmas and Easter, where people like to go out more and treat themselves, you need to ensure that you have enough stock to keep your customers happy, and make you as much profit as possible. If your current policy only covers you for a specified number – or amount – of stock, then we recommend covering any increases in stock to protect it in the event of damage, theft or destruction. This cover means that your ‘sums insured’ can also increase, covering your whole catalogue.

With Seasonal Increases insurance with The Insurance Octopus, you’ll never be left out of pocket.

Theft by Employees

Employee Theft coverage concerns a loss or damage to money, property or contents due to the actions of your employees, applying even if you can’t identify who committed the theft. We always want to think the best about our employees, but sometimes the best can surprise us, and you don’t want their actions to dictate how your business moves forward. Regardless of whether a staff member lies on your inventory records, a sales employee conspires with a vendor or increases their salary for their benefit, with the right cover you can be reimbursed for this theft.

Other types of theft include: stealing from the cash register and stealing merchandise.

Online Cover

If your brand occupies the online space, then you have to deal with the possibility that:

  • You have claims brought against you from a member of the public for property damage or bodily injury.
  • Clients’ packages go missing and they’ll expect to be reimbursed, which can hit your reputation and profitability.
  • Stock will be stolen from your premises and you may not be able to meet your customers’ needs.

With our online cover, we can protect you against these possibilities and keep your reputation and operation in tact.

Cyber Insurance

What would you do if your computer system was hacked into, or a data breach meant your clients’ data was anyone’s for the taking? Panic? Constantly apologise? Check your retail insurance policy? Every business is responsible for their own cyber security, so when a malicious cyber hack or attack comes your way, with The Insurance Octopus, you’ll never have to cope with alone. Cyber Insurance will cover:

  • Financial and reputational costs if data or electronic systems have been lost, damaged, stolen or corrupted.
  • The cost of investigating the cybercrime, as well as restoration of computer systems, loss incurred by a business shutdown and extortion payments demanded by hackers.
  • Third party damage, which includes legal defense against claims that breach GDPR.

Especially with GDPR claims costing in the millions, it’s always better to be safe than sorry.

Retail insurance is not another expenditure, it’s an investment in your future. At The Insurance Octopus, our award-winning team can create bespoke policies that meet your business’s needs, and cover your whole inventory. To learn more about any of the options mentioned above and what else we can offer you, please don’t hesitate to get in touch with us today on 0161 968 2060.

Our Process: Choosing The Right Cover 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. This useful application 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.

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 create personalised quotes not available online, passing the savings onto you.

When we’ve taken you through our range of 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 1 month 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

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.

The Benefits Of Shop Insurance

Shop Insurance from The Insurance Octopus is there to protect your bakery, boutique, butchers, florists, cafe or tearoom 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 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, off-license or pet shop with The Insurance Octopus ensures you have access to underwriters at many leading insurers, and that we can create a personalised policy that meets your budget and needs.

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 provide 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.

Our 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 from 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

How To Improve Your Shop’s Security

Considering ways to reduce your insurance premium and up your shop’s security? That’s a great idea, and we suggest using the following guidance to do just that:

Taking out Shop Insurance with The Insurance Octopus will ensure that you’ll have a team of insurance experts by your side, especially when you need us the most.


Get the answers you're looking for

In a single policy, what cover could be included?

Dependent on your shop’s requirements, in a single policy, you could have: Public Liability; Product Liability; Employers’ Liability; Stock & Contents Cover; Loss of Money; Fixtures & Fittings; Business Interruption; Shop Premises Insurance; Business Legal Protection Personal Accident Insurance; Seasonal Increases; Portable Equipment; Theft by Employees; Terrorism; Online Cover.

What types of shops are covered under your shop insurance?

A shop insurance policy with The Insurance Octopus can protect a range of retail establishments, including, but not limited to: bakeries, boutiques, bridal shops, butchers, coffee shops, fish & chip shops, florists, newsagents, pet shops, retail shops, sandwich shops, off-licences, tearooms and cafes.

Should your shop be of another type, or you operate within a niche market, please contact us on 0161 968 2060 today and we’ll help you with any queries or concerns that you have, and consider the quotes we could provide you with.

Why do I need shop insurance?

From stock damage, loss of money and product liability through to theft, employers’ liability and personal accidents, there are a lot of threats that your shop faces, and risks that need to be addressed. Ensuring your staff and customers’ safety should be a top priority, as should securing the health of your business – with products that they can’t help but come back for more. With our extensive knowledge within the insurance industry, we know that no matter how careful you try to be, you can’t always control what happens to your business. With Shop Insurance you can take some of that control back, and protect your shop from liabilities. 

How do I make a claim?

We aim to make the claims process as simple as possible, because we know that when you need to make one, the smoother the process, the better. We recommend reporting the incident to your insurer first using the helpline and claims number provided in your policy document. Should you require any further help, please don’t hesitate to call us, and we’ll do our utmost to help. Your insurer will then process the claim as quickly as possible, and you’ll receive your compensation in due time.

What should I do if my circumstances change during the period of insurance?

If your circumstances change during your period of insurance – for example – because you need to cover new stock not featured on your policy, then please contact us so that we can check this with your insurers. Omitting important facts could spell the difference between receiving compensation and not, so ensure you update us whenever a business update occurs. You can reach our customer services team on 0161 968 2030 if you ever need any help with this.

What are Octopus Rewards?

All of our customers can benefit from Octopus Rewards, offering them fantastic discounts and savings that helps them to save money

Our rewards include: