Retail & Shops Combined Insurance

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Protect your retail business with comprehensive cover for stock, premises, staff, customers, and business interruption risks.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

COMBINED RETAIL INSURANCE THAT KEEPS YOUR BUSINESS RUNNING

Why Retail & Shops Insurance Matters

Whether you operate a single boutique or a multi-site chain, retail businesses face constant risks - from customer accidents to theft, stock damage, cyber incidents, and unexpected closures. Our combined retail policy protects your shop so you can trade with confidence.

What’s Included in Retail & Shops Combined Insurance?

Our policies are tailored to your type of shop, stock levels and trading activities.


  • Public Liability – for customer slips, trips & accidents
  • Employers’ Liability – legally required if you have staff
  • Stock Cover – theft, fire, flood & accidental damage
  • Shop Front, Glass & Signage Cover
  • Contents & Fixtures Cover (shelves, displays, counters)
  • Money Cover – cash onsite or in transit
  • Business Interruption – protection if you cannot trade

  • POS Systems, Electronic Equipment & CCTV
  • Buildings Insurance (if you own the premises)
  • Cyber & Data Protection for retailers handling card payments
  • Theft, vandalism & malicious damage
  • Goods in Transit (for local deliveries)
  • Seasonal Stock Increases (e.g., Christmas)
  • Commercial Legal Expenses Optional Cover

Who Is Retail & Shops Combined Insurance For?

Designed for all types of retail operations including high street, independent, franchise and specialist shops.

General Retail


  • Convenience stores & off-licences
  • Clothing & fashion shops
  • Gift shops & homeware stores
  • Pet supply stores

Specialist Retail


  • Jewellers & premium goods retailers
  • Electronics & phone shops
  • Boutiques & designer outlets
  • Salon & beauty retail

Why Choose Insure24


  • Competitive premiums from top UK insurers
  • Tailored policies for single shops or multi-site businesses
  • Fast quotes and instant documentation
  • Dedicated support for claims & risk management

FREQUENTLY ASKED QUESTIONS

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What does Retail & Shops Combined Insurance cover?

It covers public liability, employers’ liability, stock, contents, buildings (if owned), money, business interruption, shop front glass, POS systems, and optional cyber cover for retailers processing card payments.

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Do I need Employers’ Liability?

Yes - it is a legal requirement for any retailer who employs staff, including part-time, seasonal and temporary workers.

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Does this cover theft and shoplifting?

Yes - theft by forced entry is covered as standard. Shoplifting may be covered depending on insurer terms and selected options.

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Can I insure multiple retail locations?

Absolutely - multi-site retailers can be covered under a single combined policy for simplicity and cost-efficiency.

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How fast can I get covered?

In most cases, you can receive a quote within minutes and activate cover the same day.

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