Shop Insurance
A shop insurance policy covers you against legal liabilities and risks you face as a retailer.
It's easy to get a shop insurance quote. Simply give us a few details and we'll phone you. Or you can call us on 0800 294 0905. We'll provide you with a competitive quotation.
Reasons to choose the AA for shop insurance
- 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
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.
Shop insurance allows you to cover these risks as well as insuring the shop assets in one easily managed policy.
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 0845 606 1234.