Shop Insurance

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Owning or renting out a commercial property comes with a unique set of risks that may not necessarily be covered in a standard insurance policy. This is where shop insurance comes in handy. Holding this coverage keeps you protected in the event of any accidents, ensuring you’re not left footing the bill against any claims. Shop insurance can protect your shop stock and contents, cover legal expenses, and even protect against business interruption.

At Brisco Business Insurance, we work with clients across a wide range of sectors and industries to help them find the insurance policy that suits their needs best. You can quickly and easily compare business insurance packages from some of the UK’s leading providers in order to find a comprehensive option that suits your business’ needs. These shop insurance policies typically include covers like public liability and employers liability insurance.

We partner with some of the UK’s most trusted shop insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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Shop InsuranceTrades We Cover

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    • Adult Bookstore
    • Agricultural Implements Retailing
    • Antique Dealing (No furniture)
    • Antique Furniture Retailing
    • Antique/rare Books Dealing
    • Antiques Retailing
    • Appliance Repair Insurance
    • Aquarium Supplier
    • Armed Services Outfitters
    • Art Dealing
    • Artist Materials Retailing
    • Arts And Crafts Retailing (Ex. Precious Stones)
    • Audio/Visual Media Hiring
    • Audio/Visual Media Retailing
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Do I need specialist shop insurance?

Shop owners are faced with a unique set of risks that standard business insurance simply doesn’t cover. In order to protect yourself against things such as theft, damage, or loss of stock, equipment, or contents, you’ll need a comprehensive and flexible policy that’s tailored to your business.

How much will shop insurance cost?

The price of shop insurance varies on a number of factors, including the provider, the size of your shop, your average turnover, the number of employees you have, and even your claims history. Compare quotes with Brisco Business Insurance to find the policy that’s right for you at a price you can afford.

Can I reduce my premiums?

Insurers base their decisions on risk and the chances that you’ll make a claim. So if you invest in a better security system, for example, it can make it more difficult for burglars to break into your shop and therefore reduce the chances that you’ll submit a claim. This may then help you bring down the cost of your premiums.

Similarly, if you haven’t made an insurance claim for a number of years, you may be considered low-risk which can also reduce your premiums. It’s important to answer all questions honestly and accurately to get the best deal for your circumstances. If it comes out that you lied about any aspects, your claim may be refused.

What if I work away from the shop?

Standard shop insurance covers for damage caused to and within your shop. However, if your job requires you to work away, such as installing furniture, you’ll need to add the relevant cover to your shop insurance policy in order to stay protected. A “work away” cover may be included depending on the insurance provider, but if this isn’t possible, a tradesman insurance policy might offer the cover you need while working away from your shop.

What covers can I expect in my shop insurance policy?

The cover offered under your shop insurance policy depends on your specific business needs. However, as standard, shop insurance includes public liability, employers liability, business interruption, stock insurance, and contents insurance.

Do I need shop insurance if my store is online?

If you have a shop but also sell your wares online, you’ll also need to hold online business insurance in order to keep your products protected. This is sometimes referred to as online retailer insurance. If you don’t have a physical shop, you won’t need to hold shop insurance. However, if you run your business from home, ensure that you hold the relevant insurance policies to protect you, as your existing home insurance policy may not cover it.

What happens if I don’t have shop insurance?

Those without shop insurance run the risk of losing money. This may be from repairing or replacing damaged or stolen goods and equipment, or even covering the cost of any legal expenses. Shop insurance also includes public liability, employers liability, and business interruption as standard. This means that if any members of the public or your employees are injured in your shop, you’ll be covered against any expensive claims. And if you ever have to close the shop for a period of time, such as to deal with repairs, you won’t lose out on income with business interruption insurance.

As well as this, not holding specific insurance policies when required is considered a legal offence. For example, hiring any employees requires you to legally hold employers liability insurance.

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