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Shop Insurance

Keep your business running smoothly with a tailored shop insurance package

Call us on 0344 902 8316 Request a callback

Shop Insurance
Part of Brightside Insurance Services Ltd

Commercial Shop Insurance from One Insurance Solution 

Combining all necessary retail shop insurance cover into one easy to manage policy is likely to be cheaper than you think. Whether you need small shop insurance or insurance for multiple premises, rent or own your building, employ staff or not, sell sweets or furniture, we can compare quotes from several of the UK’s top insurance companies no matter what your shop sells. We have dedicated insurance brokers on hand to to help you understand the cover required or a simple online comparison tool to find you the cheapest retail insurance quote available from our extensive panel of top insurers.

Cover for

  • Buildings Cover
  • Public & Employers Liability
  • Stock Cover
  • Business Interruption
  • Legal Expenses
  • Material Damage
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How much is Shop Insurance?

As we are tailoring a quote to your shop and your specific needs, there is no set shop insurance cost. The price of your retail insurance will depend on the level of cover required, your specific activities and the location and construction of your property. Often, many additional cover options are automatically included by insurers and this package insurance policy is designed to meets the needs of typical businesses. Combining all the cover needed into one policy is not only easier but more cost effective.

There are a number of factors that can determine how much your shop insurance policy will cost, including:

  • Stock & Contents value
  • Security
  • Cash held on site
  • Number of employees

As we are tailoring a quote to your shop and your specific needs, there is no set cost for retail insurance. The price will depend on the level of cover required, your specific activities and the location and construction of your property. Combining all the cover needed into one policy is not only easier but more cost effective.


Small Shop Package Insurance

Due to the nature of the products they sell, some shops may need additional protections included within their small shop insurance policies. Fortunately, we can offer these specific protections as part of one handy policy called Shop Package Insurance. Some examples of different types of businesses which could benefit from being covered by a Shop Package Insurance policy are:

Electrical and Mobile Phone Shops

These shops have high stock risks as their stock is often high value and greatly sought after as targets of theft as a result. Small shop owners may need to reduce this theft risk and have increased security with specific lock types. 

Additionally, if any repairs are being udertaken, additional cover may be required within a Shop Package Insurance policy called Goods in Trust. The shop would then be insured if accidental damage is caused to the covered item(s) whilst being repaired.


Naturally, within these shops baking will take place, so there is an increased risk of fire. Serving food on site to the public will require Product Liability insurance within the Shop Package Insurance policy, with the requirements of high food hygiene practices being in place.

Barber Shops and Hairdressers

These shops will require Treatment Cover which are part of Liability policies. Many insurers will include this cover for specific treatments. If any home visits are carried out, insurers will need to know this too to ensure the correct insurance cover is in place.

What are the risks of not Insuring my Shop?

What are the risks of not Insuring my Shop?

Any business who employs staff is required by law to hold the correct level of employer's liability insurance. You could be fined £2,500 per day for simply not holding cover in case a member of staff is victim to an accident or illness while at work. 

Although this is the only legal requirement, it is wise to protect yourself from other potential risks such as property damage or a claim made by a customer. If you're found to be at fault, the claim could cost thousands or even millions in compensation and legal costs. All these risks and associated expenditures could be covered by a packaged insurance policy which will cost far less than even a small claim.

Protect yourself and your customers today, get your quote online or call us on 0344 902 8316

We provide a wide range of shop insurance covers

We can offer a wide range of types of cover to ensure you, your business, and your customers have the protection needed.

Public Liability Insurance

Public Liability Insurance

Public Liability Insurance for shops protects you in the unfortunate event that one of your customers falls ill or is injured as a result of you, your employees, products, or services. It could be something as small as a slip, but the consequences to you and your business can be huge. If you own a shop and you’re covered by public liability insurance, the cost of the claim will be taken care of.

Buildings Insurance

Buildings Insurance

If the structure of your shop is damaged, buildings insurance for shops covers the cost of repairs. Common causes of damage are fires, floods, fallen trees, and vandalism, but it’s worth checking your policy to find out exactly what you’re covered for.

Stock Insurance

Stock Insurance

As a shop owner, you’re probably responsible for thousands of pounds worth of stock at any one time. Stock insurance for shops gives you the peace of mind that your stock is covered in the event that any of it is damaged or stolen.

Legal Expenses

Legal Expenses

Hopefully it never happens, but there may be times when you need to pay legal expenses to protect you and your business. Shop insurance can cover the money paid for legal advice and representation, meaning you’re not out of pocket.

The best deals on the market

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We work tirelessly with a panel of the UK's best-loved insurers to offer you the best policy at the best price

We do more than Shop Insurance..

As well as retail insurance, we can also help you out with different types of cover. From restaurant to home, car to GAP, we’re on hand at One Insurance Solution to help create bespoke insurance packages for you. We can help with the following insurance and more: