Shop Insurance

Core Shop Policy Cover

Public Liability Insurance

This is extremely important when dealing with members of the public face-to-face within your property. If a customer is injured or involved in an accident as a result of your business operations, you will need insurance to cover the cost of compensation claims brought against you. It also covers damage towards a customer's property as a result of your business operations.

Employers' Liability Insurance

If you employ staff, it is a legal requirement to carry employers' liability insurance. If a member of staff is injured or falls ill and you are found to be negligent, the cost of legal proceedings could damage your business if uninsured, not to mention you can also receive a fine of up to £2500 per day if you do not carry a valid certificate for employers' liability.

"Very nice to deal with, always do what they say they will do and even reduced my premium this year without any haggling."

Additional Shop Insurance Cover

Shop insurance is important if you are running a business either in a physical location, or online. It is designed to cover your assets, customers, employees and stock in case an accident happens. It's imperative that you understand what cover you need from your insurance, which is where our 35 years of experience comes in.

As a business owner who cares about their livelihood, you need to cover your risks by applying the following cover options:

• Stock insurance: If your stock is stolen, damaged or goes missing, you will be insured against the cost price in the event of a claim.
• Contents insurance: This will cover damage to fixtures and fittings of the shop, not items that you sell to customers.
• Buildings insurance: If structural damage occurs, including the roof, walls, ceilings, floors, doors and windows, you will be covered against the rebuild cost to get your business back up and running.
• Shop front cover: To protect the signage of your shop (which may include a sign board with your logo and contact details to tell customers know who / where you are). It can also cover any glass that may be present at the front of your shop and shutters if they are in place.
• Loss of license insurance: If you are licensed to sell alcohol and lose your license, this additional policy will cover you if the license was lost through no fault of your own.
• Goods in transit: As the name suggests, additional cover will protect any items of goods you have in transit between the supplier and your shop.
• Money cover: It's likely that physical deposits of cash are exchanged within your shop premises when you sell goods to your customers. With money insurance, you can shield the cash held in your shop, in a safe, at home or on its way to the bank from theft or loss.

"An efficient and professional service. It was a pleasure to be able to get through quickly on the phone without having endless recorded messages and lengthy musical delays. Our requirements were understood immediately and the quotation saved us a great deal of money. We highly recommend B&M and its proprietor Kevan Haughton."

Obtain The Correct Level of Cover

Our shop insurance cover can be tailored under a single policy to fit your individual business challenges, ensuring you are fully protected but you only pay for the protection you need. It's important that you take out the right levels of cover to avoid being underinsured, just in case you need to make a claim in the future. To obtain a reliable quotation, simply get in contact with our team and they will guide you through everything you need to get insured. We will compare our panel of trusted UK insurers to find the best matched policy at the lowest available price, so you have robust cover when it matters the most.

"First time using this broker. Found them very helpful and easy to deal with. And their quote was very competitive. Will be using again."