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Shop insurance

For the risks you face as a retailer

Call 0800 294 0905 for a quote

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.

Shop insurance key benefits

Cover for you as a retailer
Employers' liability insurance – essential cover for retailers

Public liability insurance cover up to £5 million

Business interruption insurance cover included

Shop buildings insurance optional cover available

Stock and contents insurance – seasonal stock cover increases for goods required during busy times of year

Money cover included as standard

Additional cover available for frozen goods, legal expenses, goods in transit

What types of shops do you cover?

Our shop insurance covers a wide range of retail establishments, including:

  • coffee shops
  • florists
  • general stores
  • hairdressing salons
  • newsagents
  • retail franchises
  • takeaway shops

What is business interruption insurance?

Business interruption insurance covers your retail business against losses incurred following a loss which is covered by your shop insurance.

For example, if you were unable to trade because of a major fire at your premises, business interruption insurance could pay for your lost earnings and costs during the period of interruption.

What is employee dishonesty cover?

This cover protects your business against losses caused by theft, fraud or dishonesty committed by your employees.

Good to know

AA Business Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562. You can check their register or call the FCA on 0800 111 6768.

Call now for a quote

0800 294 0905

Lines are open Monday to Friday 8:30am to 5:30pm.

0800 294 0905