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ALL-IN-ONE INSURANCE FOR SHOPS & RETAILERS
What Is Combined / Package Shop Insurance?
Combined (or package) shop insurance brings multiple essential covers together into one simple policy — rather than arranging separate policies for property, liability, stock and business interruption.
This type of policy is ideal for independent shops, high-street retailers and multi-site businesses looking for comprehensive protection and simplified management.
What Does a Combined Shop Insurance Policy Cover?
- Shop buildings, fixtures & fittings
- Stock & contents insurance
- Public Liability Insurance
- Employers’ Liability (legal requirement)
- Business Interruption & loss of income
- Theft, shoplifting & malicious damage
- Product Liability (where applicable)
- Optional cyber & online trading cover
Who Is Combined Shop Insurance Suitable For?
- Independent shops & sole traders
- Fashion, convenience & specialist retailers
- Shops with employees
- Retailers with valuable stock
- Businesses wanting one policy instead of many
Why Arrange a Package Policy with Insure24?
- Tailored combined shop insurance policies
- Competitive pricing vs separate policies
- Flexible limits and optional extensions
- Expert UK broker advice
- Easy mid-term adjustments as your shop grows
FREQUENTLY ASKED QUESTIONS
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What is combined shop insurance?
Combined shop insurance is a package policy that includes multiple covers
such as property, stock, public liability and employers’ liability in one policy.
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Is combined insurance cheaper than separate policies?
Often, yes. Package policies can be more cost-effective and easier to manage
than arranging multiple individual insurance policies.
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Does it include Employers’ Liability Insurance?
Yes. Employers’ Liability Insurance is usually included and meets UK legal requirements.
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Can I customise what’s included in the package?
Yes. Combined shop insurance policies can be tailored to your shop type,
stock levels, staff numbers and trading activities.
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Is combined shop insurance suitable for small shops?
Yes. Combined policies are ideal for small and independent shops,
offering broad protection with simplified administration.