Understanding insurance for boutiques
Get your boutique protected, with one simple policy
As the owner or manager of a boutique, you will be open to the public and will work direct with people which presents risks that need to be considered. Within your working areas there may be conditions such as water on the floor if it is raining outside which could cause a person to slip and fall, or a display being unsecured and risk fall over risking injuring someone. These risks and more can be managed with a boutique shop business insurance policy which will help you if you are faced with a liability claim for damage or injury if something goes wrong in your boutique.
At The Insurance Octopus, our comprehensive tailored business insurance policies are designed to be flexible, ensuring you get a bespoke boutique insurance package that specific to your needs, providing vital protection against damage to your business profits.
What your boutique shop insurance policy includes
Buildings and Contents cover for boutiques
Buildings and Contents cover will protect the sums you insure to match the levels of protection you need. Covered items can include glass, shop fronts, signs and much more. Should your business premises be damaged then your contents may well be damaged too.
Public Liability & product liability insurance
Public Liability insurance covers your business if someone gets hurt or their property is damaged in the course of your business. Product liability covers you for instances whereby your products cause bodily or harm to a third party. Available levels of cover options are £1m, £2m or £5m.
Public & Employers Liability
Public & Employers Liability is a legal obligation and covers retailers dealing directly with the public. As a retailer, you will have a legal responsibility to ensure that you have provided safe and secure surroundings for your employees and any visitors to your business premises. Public & Employers Liability cover is available as £2m, £5m and £10m.
Stock Insurance protection
Stock Insurance protection for every boutique is different and each will have various levels of stock. By making sure your shop insurance is the correct level, there will be no need for you to be paying for more than you need. It’s worth noting though that quoting for less than you need could be devastating for your financial status in the event of needing to make a claim.
Business Interruption, Cash on Premises, and Goods in Transit
Business Interruption, Cash on Premises, and Goods in Transit are all additional add-on covers that can be increased or decreased as required. By having flexibility with your business insurance policy from The Insurance Octopus, you can make sure your insurance is just exactly what you need.
Why you need insurance for your boutique
As a boutique shop owner you are unfortunately at risk of many eventualities, including anything from malicious damage to theft of stock by burglary or theft of monies by an employee. All of these risks factors need to be considered when looking for a comprehensive retail shop insurance policy to be able to protect your business and yourself from financial loss.
The Insurance Octopus will help you to build a tailored insurance policy specific to your boutique shop requirements to ensure you’re protected whatever comes your way.
Retail insurance specialists
One of our retail insurance specialists will discuss your business requirements with you and look to compare quotes from major UK insurance providers to provide a bespoke policy that ensures you only pay for the cover your boutique needs.
Flexible payment options
As a business insurance broker we are able to offer competitive insurance with a range of flexible payment options, including Direct Debit, allowing you to spread the cost of your insurance. Talk to one of our specialists today for more information.
Why choose The Insurance Octopus to insure your Boutique?
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 specialist who knows your industry
We'll connect you with an agent who specialises 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.