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PROTECT YOUR SHOP, STOCK & PREMISES
Why Contents & Stock Insurance Matters
Damage to your shop premises or loss of stock can halt trading instantly. Contents, stock and premises insurance protects the physical assets your retail business relies on — from fixtures and fittings to high-value stock and seasonal peaks.
What Does Contents, Stock & Premises Insurance Cover?
Flexible protection for shop owners, tenants and multi-site retailers.
- Shop buildings (if owned)
- Tenants’ improvements, fixtures & fittings
- Counters, shelving, displays & signage
- Stock on shelves, in storage or back-of-house
- Fire, flood, storm & escape of water
- Theft, attempted theft & vandalism
Common Property & Stock Risks for Shops
- Fire or smoke damage to shop premises
- Flooding and water damage
- Break-ins, burglary and shoplifting
- Criminal or malicious damage
- Seasonal stock accumulation
- Loss of income following property damage
Why Choose Insure24?
- Advice on correct rebuild & stock values
- Flexible cover for owned or leased premises
- Support for seasonal & high-value stock
- Competitive premiums from UK insurers
- Claims support when you need it most
FREQUENTLY ASKED QUESTIONS
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What’s the difference between contents and stock insurance?
Contents insurance covers fixtures, fittings and equipment, while stock insurance protects the goods you sell. Most shop policies combine both.
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Do I need buildings insurance if I rent my shop?
Usually no, but you may still need cover for tenants’ improvements and your contents. Your lease will confirm responsibilities.
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Is stock insured at seasonal peak levels?
Many policies allow seasonal stock increases, but limits must be set correctly to avoid underinsurance.
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Does this cover theft and shoplifting?
Theft and attempted theft are usually covered, subject to security requirements such as alarms, shutters or CCTV.
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Can business interruption be added?
Yes. Business interruption cover can protect your income if your shop cannot trade following insured property damage.