Specialist shop insurance for UK retailers, convenience stores, cafés, boutiques, newsagents and independent retail businesses.
Protect your premises, stock, staff, customers and income with flexible cover arranged by experienced commercial insurance brokers.
Shop insurance is designed to protect businesses that sell goods or services from retail premises. Whether you run a high street shop, village store, café, convenience store or specialist retailer, the right policy can help protect you against property damage, theft, customer claims, employee injury claims and loss of income.
At Dixons Commercial Insurance Brokers, we help retail businesses arrange tailored insurance that reflects their trade, stock values, premises, turnover, employees and day-to-day risks.
Clothing shops, gift shops, florists, pet shops, hardware stores, toy shops, jewellery shops and specialist retailers.
Corner shops, newsagents, mini markets, off licences and local convenience retailers.
Cafés, coffee shops, sandwich shops, bakeries, delicatessens and food-led retail businesses.
A shop insurance policy can combine several important areas of business protection into one package. Cover can be tailored to your trade, turnover, premises, stock values and liability needs.
Complete the short quote form below and our experienced team will get back to you.
Protects your shop contents, stock, fixtures, fittings and tenant improvements against insured events such as fire, storm, flood, theft and escape of water.
Helps replace lost income if your shop cannot trade normally following insured damage to your premises or business property.
Protects your business if a customer, visitor or member of the public claims they were injured or their property was damaged.
Usually required by law if you employ staff, including part-time, temporary, casual or seasonal employees.
Can protect retail stock, display equipment, shelving, tills, business equipment, fixtures and fittings.
Can include protection for cash, robbery-related assault benefits and commercial legal expenses cover.
A customer slips on a wet floor in your shop and brings a public liability claim for injury.
Thieves force entry into your premises overnight and steal stock, cash and business equipment.
A fire damages your shop, fixtures, fittings and stock, leaving you unable to trade while repairs are completed.
A burst pipe damages stock, flooring, shelving and tenants’ improvements inside your retail premises.
Your shop has to close temporarily after insured damage, resulting in reduced turnover and additional costs.
Stock is damaged or stolen while being transported for your business.
Dixons Commercial Insurance Brokers provide independent insurance advice for businesses across a wide range of sectors. We take the time to understand your shop, your risks and your trading requirements before helping you arrange suitable cover.
We are not tied to one insurer, so we can help compare suitable options for your business.
We understand the risks faced by retailers, cafés, convenience stores and high street businesses.
Speak to friendly commercial insurance advisers who can explain your options clearly.
Shop insurance is a commercial insurance policy designed to protect retail businesses against risks such as property damage, theft, liability claims, employee injury claims and loss of income.
Shop insurance itself is not legally required, but employers’ liability insurance is usually compulsory if you employ staff.
Yes, shop insurance can cover stock held at your premises. Stock in transit and seasonal stock increases may also be available depending on the policy.
Public liability can usually be included to protect your business against injury or property damage claims from customers and members of the public.
Yes. Café and coffee shop insurance can be arranged with cover for stock, equipment, liability, business interruption and food-related risks.
The cost depends on your trade, turnover, location, stock values, property sums insured, number of employees, claims history and the covers you choose.
Cover is subject to insurer terms, conditions, exclusions and underwriting acceptance. Dixons Commercial Insurance Brokers can help explain the options available for your business.
Complete the form below and a member of our team will contact you to discuss your shop insurance requirements.
