Shop insurance guide for small retailers
Shop insurance usually combines cover for stock and contents, shop glass, theft and liability in one policy. If you own the building, buildings cover can be added.
Stock levels change
Tell your insurer about busy seasons when you hold more stock than usual.
Tobacco and alcohol
High-value stock like cigarettes and spirits often has its own limits and security requirements.
Glass and shutters
Shop front glass can be covered. Insurers may ask about shutters or grilles.
Flat above the shop
If there is a flat above, tell us whether you live there or let it out.
- Stock value and type
- Security: alarms, CCTV, shutters
- Location
- Claims history
- Average and peak stock value
- Security details
- Whether you own or rent the building
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More guides: Do I need employers’ liability insurance? · Public liability insurance explained · What insurance does a restaurant need?
General guidance only. Cover depends on policy terms, conditions and exclusions.