Shop Insurance
Shop insurance allows you to combine cover for liabilities and risks you face as a retailer.
It's easy to get a shop insurance quote online. Simply tell us about your business and we'll find you quotes from leading UK insurers.
Reasons to choose the AA for shop insurance
- Employers' liability insurance – essential cover for retailers
- Employee dishonesty cover – included as standard with our shop insurance
- Business interruption insurance – cover of up to £1 million
- Shop buildings insurance – cover available up to £1.5 million for disruption to your retail business
- Stock and contents insurance – up to £500,000 cover for your stock
- Additional cover available for frozen goods, legal expenses, goods in transit
Shop insurance – frequently asked questions
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 enables you to meet the cost of damages which may be awarded to members of the public for injuries sustained in your shop.
Employers' liability insurance enables you to meet the cost of damages and legal fees for employees who are injured or made ill at work as a result of your negligence.
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.
What is public liability insurance?
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 your negligence.
What is employers' liability insurance?
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.
What types of shops do you cover?
Shop insurance covers a wide range of retail establishments, including:
- Coffee shops
- Florists
- General stores
- Hairdressing salons
- Newsagents
- Retail franchises
- Takeaway shops
Other products & services
Related information
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 Services Authority (FSA). Registration number 310562. You can check on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0300 500 5000.