A Shop Insurance policy offers business specific protection designed solely for shops and retail outlets. Typically this ranges from the mandatory Employers’ Liability which, by law, needs to cover employees, volunteers and on-premise contractors for a legal minimum sum of £5 million, to increased stock cover in busier periods.

Even within this specific sector, businesses will differ and the ability to cater for these differences only comes with experience, something the team at Insurewise are not short of.

We focus on the core elements of your shop and retail outlet – your customers, staff, premises and income – before arranging a Shop Insurance policy which aims to protect each of these with the relevant covers.

Public, Product and Employers’ Liability is designed to account for the people who interact with your business and may come into harm’s way, namely your employers and customers.

Contents and business interruption are a way of protecting the physical entity of the business and its cashflow and can offer vital support if, for example, you’re the victim of vandalism or your premises floods.

• Contents, including fixture and fittings
• Business interruption
• Public, Product and Employers’ Liability
• Legal expenses
• Glass cover
• Accidental damage or vandalism

Your protection requirements may vary depending on your annual turnover, value of stock and contents, as well as your premise location and what you sell. With these details and a risk assessment carried out by Insurewise, we will have a clearer view with which to guide you in your insurance protection.