Specialist insurance for shops, salons, galleries and other retailers.

Retailers have their own special challenges and risks to deal with and we have worked with our panel of insurers to create specialist insurance to make sure you are properly covered. Read on to find out more.

There are many risks facing retailers - some that are obvious and some you may not have thought of. But when you're serving customers all day long, who has the time to find out or get the best deal? We're here to help. As an independent St Austell broker we are really experienced with finding the perfect policies for businesses like yours. And we can search our panel of insurers to make sure you get the best deal. Perhaps this is why our customers come back year after year and we consistently achieve a five-star rating?

Here are a few examples of the types of insurance you might need if you operate a retail business. Not all of these may apply in your circumstances so it's best to talk to us about your specific needs so we can get you the right cover at the best price.

  • Public liability - for example if your customers come to harm while on your premises or your staff, buildings or equipment cause harm or damage to another person or property.
  • Fire and flood - protecting your stock and equipment in the event of a disaster.
  • Employers liability - in case your staff are injured while at working for you. This is a legal requirement for any business with employees.
  • Professional indemnity - this could apply if you are providing professional services such as accountancy, legal advice, architectural services or business consultancy.
  • Cyber-insurance - if you handle a lot of customer data, especially sensitive information such as health records, you might need this in case of a data loss or breach. It’s also important if your business relies on data to operate.

Other kinds of risks that can be covered that are especially useful to shop owners include:

  • Damage to signage - for example if you have a portable sign outside your premises.
  • Goods in transit - for when you operate a mail order service or ecommerce.
  • Theft of keys - secure locks can come at a heft price! Seasonal increase of 30% - for when the visitors arrive.

If your business doesn't quite fit into this category, please head to one of these pages:

To get a quote for shop insurance please complete your details below or call us on 01726 871144 (Option 3). If you would rather a consultant called you to discuss your requirements please click here.

Get a Shop Insurance Quote...

Just some of the types of shops that can be covered under our shop insurance policy...

Antique Shops, Arts And Crafts Shops, Bakeries, Barbers, Beauty Salons, Bookshops, Butchers, Camping And Outdoor Shops, Cash & Carry Shops, Charity Shops, Chemists, Clothing Shops, Fancy Dress Shops, Cycle and Bike Shops, Delicatessens, Department Stores, DIY Shops, Double Glazing & Replacement Window Showrooms, Dry Cleaners, Farm Shops, Filling Stations, Fishmongers, Florists, Fruit & veg Shops, Funeral Directors, Garden Supplies Shops, Golf Shops, Hairdressers, Ice Cream Parlours, Jewellers, Newsagents, Off Licences, Opticians, Pet Shops, Picture Framers, Sandwich Bars, Sports Shops, Supermarkets and many more.