Shop Insurance

At UK Sure, we focus on offering insurance tailored to both single shops and larger retail chains.
Regardless of your products, having shop insurance ensures a layer of protection against unforeseen events.
Whether you're a family-owned grocery store, a franchise, or a larger retailer, our team of retail insurance experts is dedicated to helping you secure the right shop insurance for your business.

With years of experience in providing customised coverage to various companies, you can trust that your insurance needs are well taken care of with UK Sure.

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What is shop insurance?

Shop insurance provides coverage that shields your business from various claims and risks. Since claims can arise unexpectedly, having shop insurance is crucial. Whether it's an employee injury or a customer falling ill after using your products, shops encounter a range of potential issues.

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Types of shops we cover:

• Convenience stores

• Charity shops

• Boutique shops

• Clothing shops

• Hardware shops

• Hair and Beauty salons

• Furniture shops

• Textiles shops

• Antiques shops

• Food shops

• Fish & Chip shops

Managing one or more stores involves specific risks. It's essential to safeguard your customers, premises, inventory, and expenses. With the right shop insurance, we can assist you in achieving this protection.
Store insurance provides coverage that shields your business from various claims and risks. Since claims can arise unexpectedly, having shop insurance is crucial. Whether it's an employee injury or a customer falling ill after using your products, shops encounter a range of potential issues.​

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The main areas of shop insurance include:

Buildings Insurance  If you own the shop premises or are required by the lease, you’ll need building insurance. This can cover the cost of damage from an insured event, like a fire, flood, or vandalism.

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Legal Expenses  An optional extra for shop insurance, legal expenses covers the cost of defending your retail business in court and some or all of your solicitor costs.

 

Stock and Goods in Transit  Stock inside your shop is generally covered and Goods in Transit protects items against replacement costs if they’re stolen, lost, or damaged on the way to or from your premises or warehouse.

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Business interruption  Events like a fire or flood can mean your shop has to close or is open for reduced hours. Business interruption covers insured costs incurred from lost income.

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Public Liability  If a customer or supplier is injured or their property is damaged in your shop due to negligence, they could claim.  Public liability insurance can cover any legal fees and compensation.

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Employers’ Liability  It’s a legal obligation to have employers’ liability insurance when you employ anyone to work in your shop.

This is true whether you have casual, temporary staff or contractors.​​

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Understanding the risks for your business can help you work out the amount of retail shop insurance required. The greater the risks to your shop, the more insurance you may need.

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