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Stock and contents
Declared retail stock, shelving, tills, fixtures, furniture and business contents following selected insured events.
Convenience and corner shops
Convenience Store Insurance
Compare cover for stock, refrigeration, cash, customers, employees and interrupted trading—matched to your products, opening hours and premises controls.
FCA-authorised broker
Independent and local retailers
Cover subject to underwriting
On This Page
Working with insurer markets
Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.
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- CHUBB
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- AXA
Build around daily trading
Protect the stock, premises and income behind the store
Long opening hours, mixed stock, refrigeration, cash and steady customer footfall give convenience stores a more specific risk profile than a generic shop description.
Refrigerated stock
Deterioration following an insured breakdown or failure may be available, subject to equipment, maintenance and policy conditions.
Public liability
Defence and covered compensation where a customer alleges injury or property damage connected with the store.
Employers’ liability
Cover for employee injury or illness claims; most UK employers are legally required to hold at least £5 million, subject to limited exemptions.
Money and theft
Cash on site or in transit and theft losses can be insured within declared limits and security conditions.
Business interruption
Selected income loss or additional working costs after insured damage disrupts the store.
Store models differ
Products and opening hours change the risk
Insurers need to understand how the store actually trades, not only the broad retail label.
Corner and local shops
Mixed everyday stock, daily cash handling and regular community footfall.
Late-opening stores
Longer hours, lone working, alcohol, tobacco and higher after-dark theft or incident exposure.
Food-to-go retailers
Hot food, preparation, refrigeration and customer-service areas can change fire, liability and stock risks.
Multi-site operators
Several premises need accurate schedules, values, security details and interruption dependencies.
Refrigeration breakdown and stock deterioration are not automatic.
Declare chilled and frozen stock values, equipment age and maintenance arrangements. Check the insured cause, excess, waiting period and maximum deterioration limit.
Prepare for underwriting
Information that helps insurers assess the store
Accurate stock, security and trading details help avoid misleading quote comparisons.
- Products sold, turnover and seasonal stock peaks.
- Chilled and frozen stock values and refrigeration equipment.
- Opening hours, staffing, lone working and deliveries.
- Alcohol, tobacco, vapes, lottery, cash and ATM exposure.
- Locks, shutters, alarms, CCTV and cash procedures.
- Claims history, premises details and interruption needs.
Check the detail
Common areas requiring close review
Retail packages vary, especially around theft, refrigeration and money.
Shoplifting
Ordinary shoplifting or unexplained stock shortages may be restricted or excluded unless the wording provides specific cover.
Security conditions
Theft protection can depend on declared locks, alarms, shutters, CCTV and closing procedures.
Equipment wear
Maintenance, gradual deterioration and mechanical wear are not the same as an insured breakdown.
Money limits
Cash cover normally has location, safe, opening-hours and transit limits that should match actual procedures.
Common questions
Convenience Store Insurance FAQs
What can convenience store insurance cover?
A policy can combine stock, contents, public liability, employers’ liability, money, theft, business interruption and selected refrigeration or deterioration sections.
Does convenience store insurance cover refrigerated stock?
It may, where suitable deterioration or breakdown protection is selected and the insured cause, equipment and maintenance conditions are met.
Is shoplifting covered?
Not automatically. Theft wording may require forcible entry or other evidence, and unexplained shortages are commonly excluded.
Do convenience stores need employers’ liability insurance?
Most businesses employing staff must hold employers’ liability insurance of at least £5 million, subject to limited exemptions.
Can alcohol and tobacco stock be insured?
It can be considered, but the products, values, licensing, storage and theft controls must be declared accurately.
What affects convenience store insurance cost?
Pricing can depend on location, turnover, stock, refrigeration, products, hours, staff, security, claims, limits and excesses.
Compare convenience and corner shops quotes
Tell us what the store sells, its opening hours, stock and refrigeration values, staffing and security arrangements.