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INSURANCE FOR SHOP EQUIPMENT, MACHINERY & FIXTURES
Shops rely heavily on equipment such as tills, EPOS systems, refrigeration units, shelving, lighting and specialist machinery. Equipment insurance protects you against repair or replacement costs following damage, breakdown, theft or insured events.
What Does Shop Equipment Insurance Cover?
- Refrigeration & freezer units
- Tills, EPOS & payment terminals
- Display units, shelving & fixtures
- Specialist retail & food equipment
- Mechanical & electrical breakdown
- Accidental damage, fire & flood
- Theft & vandalism
Common Equipment & Machinery Claims for Shops
- Refrigeration failure causing food spoilage
- Electrical surges damaging tills or POS systems
- Accidental damage during cleaning or refits
- Fire or flood damaging fixed equipment
- Vandalism to displays and fixtures
- Theft of high-value equipment
Why Equipment Insurance Is Important for Retailers
Equipment failure can stop trading instantly. Without insurance, repair or replacement costs can run into thousands and cause prolonged business interruption — especially where refrigeration or payment systems fail.
Why Arrange Equipment Insurance with Insure24?
- Retail insurance specialists
- Cover for fixed and portable equipment
- Optional machinery breakdown extensions
- Competitive premiums from UK insurers
- Fast claims support & expert advice
FREQUENTLY ASKED QUESTIONS
+-Is equipment insurance included in standard shop insurance?
Basic cover may include fixtures and fittings, but specialist equipment and machinery breakdown often require specific extensions.
+-Does this cover refrigeration breakdown?
Yes. Refrigeration and freezer units can be covered, including mechanical or electrical failure, subject to policy terms.
+-Are tills and POS systems insured?
Yes. Tills, EPOS and payment systems can be insured against damage, theft and insured events.
+-Do I need to list individual items?
High-value or specialist equipment usually needs to be declared individually so correct limits apply.
+-How much does shop equipment insurance cost?
Costs depend on equipment value, shop type, security and claims history. Quotes are often available quickly.