Shop Insurance

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Shop Insurance

A shop insurance policy covers you against legal liabilities and additional risks you may face as a retailer or shop owner. It’s straight forward to get a quotation. Simply give us a few details and we’ll phone you. Or you can call us on 0345 365 2121 and we will provide you with a competitive shop or retail premises quotation.

Why choose BJP for retail and shop insurance?

Our standard covers are comprehensive and designed to give good value. Typically, we include:

  • Employers’ liability insurance – a legal requirement for retailers with staff
  • Public liability insurance cover up to £5 million
  • Business interruption insurance cover included
  • Shop buildings insurance – optional cover available
  • Stock and contents insurance – flexible sums insured
  • Money cover included as standard
  • Additional cover available for legal expenses, frozen goods or goods in transit

Beyond that, we can tailor a shop insurance policy that reflects your business exactly. This ensures that you get adequate protection without paying for insurance you may not need.

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Shop insurance

Tailored shop insurance cover protecting you, your business and your customers.

Shop insurance – Frequently asked questions

Why do I need shop insurance?

A retail or shop insurance policy covers you against legal liabilities and risks you face as a retailer.

Public liability insurance enables you to meet the cost of damages which may be awarded to members of the public for injuries sustained in your shop.

Employers’ liability insurance enables you to meet the cost of damages and legal fees for employees who are injured or made ill at work as a result of your negligence.

Shop or retail insurance allows you to cover these risks as well as insuring the shop assets in one easily managed policy.

What is business interruption insurance?

If your company premises were to suffer the consequences from the event of a fire, or other insured disaster then business interruption insurance can aid in covering for your costs during the period of disturbance and your loss of earnings.

What is public liability insurance for shops?

You have a legal obligation to pay damages awarded to members of the public for injury, disease, illness, or damage to their property as a result of your disregard. Without Public Liability insurance, such events will not be covered.

What is employers’ liability insurance for shops?

If an employee was to suffer from an injury, illness or disease as a result from working with your business it becomes your legal liability. Prior to such an event, Employer’s Liability insurance cover should be acquired to pay the damages.

We are competitive on price. We can offer same day documentation issue. We offer expert advice for your insurance needs. We also have access to a number of specialist policies to suit your needs, so why delay?

Talk to the BJP team today

For independent advice and fast quotes for your shop insurance needs