Why do I need shop insurance?
A shop insurance policy covers you against legal liabilities and risks you face as a retailer:
- Public liability insurance covers your legal liability to pay damages awarded to members of the public for injury, illness, disease, or damage to their property, sustained as a result of your negligence.
- Employers' liability insurance covers your legal liability to pay damages awarded to an employee for an injury, illness or disease which has resulted from working for you.
Shop insurance allows you to cover these risks as well as insuring your shop assets in one easily managed policy.