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Insurance for hardware retailers
Hardware Shop Insurance UK
Compare hardware shop insurance quotes for tool and supply retailers. If you need a broader overview, review insurance for shops.
Get a QuoteWhat is hardware shop insurance?
Hardware shop insurance is retail business insurance for UK hardware and tool suppliers, covering liability, stock and interruption risk.
Who needs this cover?
Hardware stores, DIY supply shops and tool retailers serving public and trade customers.
What does it usually cover?
Public liability, employers' liability, stock insurance and business interruption lines.
How much does it cost?
Premium depends on stock profile, hazardous goods mix, security and claims history.
What is not usually covered?
Policies may restrict cover for excluded products, undeclared activity or missed risk conditions.
Key risks
Hardware stores commonly need public liability insurance for shops and employers' liability insurance for shops for customer injury and staff-risk exposures.
Core cover
Many businesses also need retail business interruption cover. For setup checks, see shop insurance checklist.
Showroom-led operators may also compare furniture shop insurance.