Retail Insurance & Shop Insurance 

Insync shop and retail insurance cover is designed to protect your business from risk both offline and online.

Retail Insurance & Shop Insurance

Insync shop and retail insurance cover is designed to protect your business from risk both offline and online.

Need specialist Shop Insurance advice?

Call us directly on

01200 309 516

Shop Insurance – What Is Covered?

Shop insurance is a tailored package providing the various components required to protect a retailers business. Cover extends from legal liability exposures such as public and employers liability to physical losses such as fire, theft or flood, to buildings, contents, stock, money and associated loss of profits. Other extensions to cover include goods-in-transit, damage to shop front or glass and fidelity cover (theft by employees)

Is Shop Insurance Compulsory?

Most retail businesses will need to employ either full or part-time staff and will be required by law to purchase employers liability insurance. Failure to arrange this cover, which provides indemnity for compensation claims received for injury to members of your workforce in the course of their employment, can result in fines of up to £2,500 per day.

Unless you own a van requiring motor insurance, no other elements of insurance for your shop are compulsory, however without protection for loss or damage to stock, or potential injury claims for slips or trips from customers or members of the public (public liability), you will be leaving your business financially exposed.

Compare Shop Insurance Quotes

In the same way as retailers offer a variety of products, different insurers will provide different levels of cover and premiums. As retail insurance specialists, we can compare prices from up to 10 of the UK’s leading insurers in minutes, helping you find the right level of cover at the right price.

Our business insurance advisor will take the time to help you assess you risk and build a package that protects your business without breaking the bank!

Need specialist Shop Insurance advice?

Speak to one of our Shop insurance experts, at a time that suits you...

or call us directly on

01200 309 516


  • Specialist cover for High Street shops to purpose built shopping centre locations

  • Owner occupied or leasehold retail businesses

  • Cover for all types of shops from grocers ,bakers and off-licences to bookmakers

  • Cover available for non-standard construction (flat roof or timber frame)

  • Shop glass and shop front cover

  • Money cover and/or cash machines

  • Public liability as a shopkeeper

  • Products liability for goods being sold

  • Employers liability covering legal liability for staff

  • Business interruption (loss of profits)

  • Legal expenses


  • We compare prices and cover from our panel of leading shop insurers

  • Instant quotations - cover and policy documents in minutes

  • Flexible cover & monthly payments – just pay for the sections you need

  • Expert advice from liability insurance specialists

  • Personal – Digital servicing AND your own dedicated insurance professional

Shop Insurance Claims Example

A mini-supermarket suffered a fire following an electrical fault in an overloaded circuit board. The entire shop was severely smoke damaged and all stock was lost.

Total claim for replacement contents, fixtures and fittings, stock and business interruption, which covered fixed costs and expenses and loss of profits whilst the business recovered from the loss, totalled in excess of £50k.

How Much Does Shop Insurance Cost?

Whilst retailers insurance packages start from as little as £150 (plus insurance premium tax), each policy is individually tailored to your specific business requirements. 

Typically insurer premiums will be impacted by: 

• Location of the shop (including postal code)
• Type of business and goods being sold
• Sums insured (contents, stock etc.)
• Trading experience and previous claims history
• Sections of cover required

Should I Buy Cheap Shop Insurance?

As with the items your business retails, quality will play a part in the cost of your policy. It is important to compare cover levels, sums insured and any insurer requirements, such as security or alarm requirements, to ensure that the cover is suitable for your individual needs. 

That is not to say that the most expensive policy will be the best either! – Utilise the skills and advice of a specialist insurance advisor such as Insync, they will help you find the right level of cover at the right price.

What to do now...

Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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© Insync Insurance Solutions Ltd 2021 All rights reserved. Insync Insurance Solutions Ltd is authorised & regulated by the Financial Conduct Authority where our reference number is 766691. Our registered office is 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE and we are registered in England under company number 08810662. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | | Privacy Notice | Terms Of Business