Shop Insurance

With many years’ experience in supporting retail outlets, we understand that running a successful business takes a lot of time and dedication.

Get a quote 03702185626

Comprehensive Insurance for Your Shop

Your shop is like no other, so in order to keep the doors open should disaster strike, you need specific, tailored shop insurance in place.

But that doesn’t mean you need to spend hours searching for the right cover. That’s why we’re here. We understand that, in a busy retail environment, your time is precious. That’s why we put in the time, and provide the expertise, so you don’t have to. 

We’ll draw on our deep knowledge of retail insurance and listen carefully to your needs before helping you choose the most appropriate shop insurance policy for your business.

We’ll start with essential protection like public liability for shops, then look at what else you need.  That could be employers liability cover, insurance for your shop buildings and contents, or a more specialised cover – there is no one size fits all approach here.

What’s more, as a broker we have access to a wide range of flexible business insurance policies for shops - from leading UK insurers and specialist insurers – and all can be tailored to your needs.

That means your choice of shop insurance won’t be limited to a few standard insurance policies – we can help you choose all the shop insurance cover you need and combine it in a single, simple policy.

So, whether you run a grocersclothes shop or an opticians shop, we can arrange a bespoke retail insurance policy to suit you – leaving you free to run your business secure in the knowledge that everything is protected.

Compare Business Insurance Cover for Shops

We’ll work with you to make it easy to compare different shop insurance options, with available covers including:

  • Accidental damage.
  • Public and products liability.
  • Employers liability.
  • Contents cover.
  • Buildings cover.
  • Business interruption.
  • Money on premises or in safe.
  • Money on the premises outside business hours.
  • Money at home of insured or authorised employee.
  • Goods in transit.
  • Legal expenses.
  • Book debts/accounts receivable.
  • Loss of rent receivable.
  • Tenants improvements.
  • Embedded machinery breakdown.


You Could Save Over 15% on Your Shop Insurance Quote With Us*

Call our team to receive a no obligation, instant retail insurance quote today. 

Quote line: 0370 218 5626. Mon-Fri: 8am - 6pm


Get a Shop Insurance Quote

Our long experience helping retailers to compare shop insurance means we require only a little information to provide you with a basic quote. In order to provide our quote to you, we need to gather the relevant personal details from you. These will be used for the purposes of the quote only, and will be stored. A member of our team may use your telephone number to contact you to discuss your quote further.


Terms and Conditions

 * We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to SMEi, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.


We help all sorts of shops find tailored retail insurance cover, including grocers, off licenses, pet shops, clothes shops, and florists. If you’re unsure whether we can help insure your shop, just get in touch and our team will be happy to help.


Because your shop is open to the public, public liability insurance for retail is crucial. This type of insurance protects you if a member of the public is injured or their property is damaged on your premises. Similarly, your shop contents and stock are your livelihood, so protecting them will help ensure your business doesn’t suffer in the event they are damaged or stolen. Shop contents insurance protects your goods in the case of theft, damage or devastation such as fire and floods. Then, if you have employees you are required by law to have employers’ liability insurance (unless your employees are immediate family or your spouse). This protects you if an employee becomes injured or seriously ill as a result of working for you. Finally, you may want to consider financial protection and business interruption cover. Financial protection ensures that cash on your premises is safe and business interruption cover is necessary to protect you in the event your shop is closed due to damage.


The optional cover available depends on the type of shop you own. For example, if your shop sells food, you will need to pay close attention to the frozen food section of your shop insurance policy to ensure the cover is adequate. Otherwise, you may need to investigate more comprehensive cover – naturally, that is something we can help you with. If you own your shop premises then you will need buildings insurance to protect your bricks and mortar. If you rent your premises, check with your landlord to see if your building is covered. We can arrange a flexible shop insurance policy that matches your needs. All you have to do is tell us what you’d like covered and we’ll do our best to ensure that it happens at a competitive price.


The cost of your policy depends on your needs. Our retail insurance policies are flexible and can adapt to fit your requirements. So, whether yours is a small village shop or a large, out-of-town retail outlet we can match you with the required shop insurance policy. For example, multiple options may be available from our panel of insurers – each with differing features and prices. We will present you with the possibilities so you can compare shop insurance make an informed decision on which option is best for you.

Related News from Marsh

Hosting a Spectacular and Safe Bonfire Night Display

Bonfire night is a fantastic opportunity for sports clubs and pubs to host an organised display for their local community.

Rugby League vs Rugby Union: What’s the Difference?

Rugby league and rugby union may sound like the same sport but they are very different.

World Cup Key Facts

The World Cup kicked off in Russia on June 14th 2018 for a month of what we hope will be intense and entertaining football.

How to Work Out Your Golf Handicap

How could the changes to the handicap system introduced by the Council of National Golf Unions (CONGU) affect you?