Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK shops — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Retail theft and security claims are some of the most common — and most disputed — claims shops make. Insurers look closely at how your premises are secured and what you declare when pricing your policy.
Most theft policies only respond where there's clear evidence of forced entry or exit — broken locks, damaged doors or windows. Shoplifting and theft through an unlocked or open door typically falls outside standard theft cover.
Many shop policies include only a modest sub-limit for plate glass and shopfronts. If you have a large glazed frontage or bespoke signage, check the limit carefully — it can be increased, but rarely as standard.
Money cover usually applies a lower limit outside trading hours unless cash is kept in a rated safe overnight. Declare your typical takings accurately so the limit matches what's actually on site.
Insurers commonly require alarms installed and maintained by an NSI- or SSAIB-approved company, to the correct grade for your risk. An alarm that doesn't meet the policy's stated standard can affect a claim.
If you trade online, including to the USA or Canada, you need to declare this — standard goods in transit cover is usually UK and Ireland only, and US/Canadian liability exposure often needs a specific extension.
Stock values, security measures, online trading and cash handling all need to be declared accurately at application. Understating any of these can reduce or invalidate a claim later.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from customers injured on your premises or as a result of your products or services. Essential for any business open to the public.
Covers your stock, equipment and shop fittings against fire, theft and accidental damage. Make sure the sum insured reflects replacement cost, not purchase price.
Replaces lost income if you're forced to close due to an insured event — fire, flood or equipment failure. Covers ongoing costs while you're unable to trade.
Covers claims arising from products you sell or food you prepare causing injury or illness. Essential for food businesses and retailers selling physical goods.
Required by law if you have any employees. Covers claims from staff injured or made ill as a result of working for you.
Covers the structure of your premises against fire, flood and damage — if you own the building. If you're a tenant, check what your landlord's policy covers.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
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