Call 0845 762 6158

Shop insurance

The retail industry can be challenging. You have the premises, stock and any money left inside to worry about when you are not there and the responsibility to keep your customers, visitors and staff safe when you are there. Shops are vulnerable to vandalism, break-in, robbery and fire, among other significant threats. The repercussions of being under-insured for these incidents could be disastrous for your shop. Your livelihood could also be threatened by the loss of your license.

Further, if there is an accident for which you are held liable, unfortunately, the increase in numbers of lawyers with 'no win no fee' conditional fee arrangements means that staff and members of the public are more likely to litigate now than in the past. The costs of paying compensation can be particularly high.

When you call FSB Insurance Service, you will deal with knowledgeable insurance professionals who will work with you to efficiently identify your shop's requirements and, using our specially-negotiated arrangements with reputable insurers, source appropriate risk management solutions to build you a tailored policy that provides bespoke cover for your shop or retail outlet.

Shop Insurance – Common Features

• Buildings insurance
• Loss or damage to contents on an 'All Risks' basis
• Business interruption
• Money
• Accidental damage cover, including damage to glass
• Seasonal increases for stock
• Employers’ liability
• Public liability
• Products liability
• Legal expenses including cover for contract disputes

Please note features, exclusions and limitations will vary depending on the policy you decide to take out.