Shop Insurance

What type of Shop Insurance do I need?

No two retail businesses are alike. The insurance needs of a jeweller, for instance, will be very different from a hairdresser.

The right business insurance for you depends on a number of factors such as the nature and location of your business, the turnover and the number of staff.

Decide which of the following main insurance products best suits your business needs, then compare quotes and prices online. Or get an independent insurance broker to track down the best insurance package deal for you.

Only two are legally required, employers liability insurance and third-party motor insurance, if your business operates cars/vans.

• Employers liability insurance (compulsory, if you have employees who are not close relatives)
• Public liability insurance
• Products liability insurance
• Buildings/propertyinsurance
• Contents/stock/fittings insurance
• Personal assault insurance
• Money insurance
• Accidental damage insurance
• Business interruption insurance
• Engineering insurance

Optional extras

• Legal expenses
• Employee travel insurance
• Personal accident/sickness
• Computer breakdown
• Loss of liquor licence
• Employee theft
• Book debts
• Glass /Sign replacement service
• Inflation protection
• Seasonal increases for stock

Which options should you choose? read more about each: Do I need it?