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Do You Need Convenience Store Insurance If You Only Sell Newspapers and Snacks?
Running a small newsagent or corner shop that mainly sells newspapers, snacks, and drinks might seem simple. However, even small stores can face…
Shop & Retail Insurance
Shop & Retail Insurance
Public liability, stock and employers’ liability cover built for shops and retailers of every kind.
Public liability, stock and employers’ liability cover built for shops and retailers of every kind.
What kind of shop do you run?
Stock & contentsCustomer injuryBusiness interruption
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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How can we help?
How can we help?
I have a physical shop
Find insurance built around your specific type of shop.
I sell online only
Explore cover built for online and e-commerce retailers.
I’m not sure what I need
Tell us about your business and we’ll recommend the right cover.
Find insurance for your shop
Find insurance for your shop
Choose your shop type below, or search above for something more specific.
Choose your shop type below, or search above for something more specific.
Fashion & Gifts
Food & Convenience
Home & Speciality
Which cover does your shop need?
Which cover does your shop need?
Only employers’ liability is a legal requirement. The rest depend on what you sell and how you trade.
Only employers’ liability is a legal requirement. The rest depend on what you sell and how you trade.
| Type of insurance | Legally required? | Who needs it? |
|---|---|---|
Yes, if you employ staff | Required once you take on any staff, even casual help | |
Not legally required | Strongly recommended for any shop dealing with the public | |
Not legally required | Recommended if you sell physical goods, not just services | |
Money insurance | Not legally required | Covers cash and takings on the premises or in transit to the bank |
No | Covers your premises fixtures, fittings and equipment | |
Stock insurance | No | Covers the stock on your shelves against theft, fire or damage |
No | Helps cover lost income if an insured event stops you trading | |
No | Recommended if you take card payments or hold customer data |
Top Tip
Most shops build their policy from public liability, stock and contents cover, then add employers’ liability the moment they take on staff.
Core cover for shops
Core cover for shops
Most shops combine public liability, employers’ liability, stock and contents cover, with business interruption for when you can’t trade.
Most shops combine public liability, employers’ liability, stock and contents cover, with business interruption for when you can’t trade.
Public Liability
Covers claims if a customer or member of the public is injured or their property is damaged.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Stock Insurance
Covers the stock on your shelves against theft, fire or damage.
Money Insurance
Covers cash and takings on the premises or in transit to the bank.
Business Interruption
Helps with lost income if an insured event stops you trading.
Legal Expenses
Covers legal costs for contract and supplier disputes.
One shop or a growing chain?
One shop or a growing chain?
What you need changes as you grow. A single shop needs different cover to a chain with staff, stock across sites and higher turnover.
What you need changes as you grow. A single shop needs different cover to a chain with staff, stock across sites and higher turnover.
Starting Out
Just opened? Public liability and stock cover are the essentials.
Independent Shop
Taken on your first employee? Employers’ liability becomes a legal requirement.
Growing Business
Adding a second site or more staff? Time to combine your covers.
Multiple Sites & Chains
Managing several shops? Talk to an adviser about portfolio cover.
What can affect the cost of shop insurance?
There’s no fixed price. It depends on what you sell, your premises, staff numbers and your claims history.
Value of stock
Higher-value stock means a higher stock cover premium.
Location and footfall
Busy high street or shopping centre units can affect your premium.
Number of staff
More employees increase your employers’ liability exposure.
Level of excess
A higher voluntary excess usually lowers your premium.
Claims history
A clean claims record helps keep premiums down at renewal.
What are you looking to protect?
What are you looking to protect?
Choose a category to explore insurance products tailored to your business needs.
Choose a category to explore insurance products tailored to your business needs.
What could help:Public Liability
Learn more
Shop insurance without the guesswork
We help shops and retailers find the right combination of cover, not just the cheapest single policy.
The right cover depends on what you sell, your premises and how many staff you have.
Specialist retail insurersAccess to 20+ UK insurersExperienced UK-based advisersCover tailored to your shop typeSupport with complex risksHuman support when you claimHow to get shop insurance
How to get shop insurance
Getting shop insurance takes four steps: tell us about your shop, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting shop insurance takes four steps: tell us about your shop, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your shop
What you sell, and whether you employ staff.
2
Choose your covers
Public liability, stock and any extras you need.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Shop insurance guides
Shop insurance guides
Choosing cover, valuing stock and protecting a shop that depends on footfall.
Choosing cover, valuing stock and protecting a shop that depends on footfall.
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Off‑Licence & Specialty Retail Shop Insurance: What Extra Risks Should You Cover?
Running an off‑licence or specialty retail shop in the UK often brings unique challenges that may not apply to standard retail businesses. Whether…
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Shop Equipment & Contents Cover: Avoiding Hidden Risks in Fixtures and Stock
Running a shop in the UK often involves more than protecting the building itself. Many retailers rely heavily on fixtures, fittings, specialist…
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Shop Insurance Add‑ons: Legal Expenses & More
Arranging shop insurance in the UK can provide core protection for buildings, contents, and public liability, but many shop owners may benefit from…
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What Does Convenience Store Insurance Protect You Against?
Running a corner shop or newsagent can be busy and rewarding. It also comes with risks that could affect your business if something goes wrong.…
Why Newsagents and Corner Shops Need Tailored Insurance
Running a newsagent or corner shop comes with everyday risks. From stock damage to customer injuries, unexpected events can affect both finances and…
Shop insurance FAQs
Shop insurance FAQs
Straight answers on cover, stock and what different shops need.
Straight answers on cover, stock and what different shops need.
Shop insurance is a combination of covers built for retail premises: public liability for customer injury, employers’ liability if you have staff, and stock cover for the goods on your shelves.
Still have questions?
Our advisers are here to help you find the right solution.