Every shop or retail function is a valuable asset to the community and to ensure your successful at what you do best, you need to plan for every eventuality. This is why it is essential to protect your business with shop insurance which gives you the correct coverage that you need in place should anything go wrong.
Whether customers are entering your business premises or you offer a flower delivery service, damage to customer property can happen anywhere. To protect your business from the cost of accidents and to reassure your clients, public liability insurance can pay out for claims and keep your business running.
Fuit and Vegetable
If your greengrocer shop is the hub of the community, then you have a duty of care towards your customers. Public liability can help to protect your customers and your business should there be any damage to property or accidents that result in injury.
Whatever you sell, if your stock gets damaged or stolen, the cost of replacement and recovery can be too much for your business. With stock insurance, you can ensure replacements should anything happen to the items in your shop. You can even increase the cover for high-risk items.
Slips, trips and falls are just one of the risks posed to customers in salons. Ensure your business is well protected in case of any claim of injury or property damage to the public with public liability insurance. If you employ a team of hairdressers, then you’ll also need to include employers liability in your policy.
Plumbers and building merchants
Should anything happen to your shop, such as a fire or flood, you’ll need your earnings protected. With business interruption insurance, you can receive compensation should anything happen to your shop which forces it to close for a period of time.
With a high level of stock in your sweet shop, you need to protect the cost of the risk of damage or theft. With stock insurance, you can recover the cost should any unforeseen circumstance spoil your inventory.
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What can your shop insurance cover?
Regardless of your business, whether you are a florist or hairdresser, plumber or building merchants, sweet shop, newsagent or general store, protecting those who visit your business is a necessity. Shop insurance will include public liability as standard which protects your business from the cost of compensation should your business cause injury or damage to property. For any business that interacts with customers, public liability is essential to protect your livelihood.
If your retail business employs staff, whether these are employees, casual or temporary workers or contractors, then it is a requirement by law for you to have employers’ liability insurance. This protects your business from claims of injury or illness from any workers both past and present.
Contents and stock insurance may also be included to your policy to protect your business assets, whether these are fixture and fittings or items that you sell. Depending on your stock items, if they are high-risk or not, you may wish to increase or lower your cover depending on the cost required to replace the items.
At Compare Insurance, we can take into account all the different cover options you may need, which may include business interruption if you are forced to close your business for a period of time or perhaps the loss of drinks licence which can interrupt your daily running. Whatever your business needs, Compare Insurance will find the right coverage options that you need, all in one easy to manage policy.
What insurance do I need for a shop?
The insurance you need for your shop depends on your business and the specific risks you want to cover. These are some of the most popular covers for shops:
business buildings and contents insurance
public and product liability insurance
business interruption insurance
business interruption insurance
goods in transit
At Compare Insurance, we know that every shop is different and that your business is as unique as you are. Shop insurance is never just an off-the-shelf insurance cover; it can be tailored to suit your exact business needs and make sure that you are covered for every eventuality. Our highly-trained team are experts in commercial insurance, so we’ll take the time to understand your business and make sure that you have the right amount of cover in place to suit your needs.
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For any questions please do not hesitate to contact us and we’ll get back to you as soon as possible.