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INSURANCE FOR HEALTH, BEAUTY & COSMETIC RETAILERS
Pharmacies, health stores and beauty retailers face higher-risk exposures — including product liability, customer safety, prescription handling, specialist stock and regulatory obligations. Insure24 provides tailored insurance designed for the health & beauty retail sector.
What Does Health & Beauty Shop Insurance Cover?
- Public Liability – injury or illness claims from customers
- Product Liability – reactions, allergies or defective products
- Employers’ Liability – mandatory if you employ staff
- Stock Insurance – medicines, cosmetics & specialist products
- Theft & Robbery – high-value and controlled items
- Fixtures & Contents – shelving, displays, refrigeration
- Business Interruption – loss of income after insured events
Common Risks for Pharmacies & Beauty Retailers
- Allergic reactions & adverse health claims
- Product contamination or recall risks
- Slip, trip & fall accidents in-store
- Theft of controlled or high-value stock
- Temperature-sensitive stock spoilage
- Regulatory & compliance investigations
- Fire, flood & property damage
Why Choose Insure24?
- Experience with pharmacy & regulated retail risks
- Flexible cover for specialist & controlled stock
- Support for single stores or retail chains
- Fast quotes and claims assistance
- UK-based expert advice
FREQUENTLY ASKED QUESTIONS
+-Is insurance mandatory for pharmacies?
Employers’ Liability is legally required if staff are employed. Other covers are strongly recommended due to higher-risk exposures.
+-Does this include product liability cover?
Yes. Product Liability is essential for pharmacies, cosmetic retailers and health stores selling consumable or topical products.
+-Can prescription and controlled medicines be insured?
Yes, but these must be disclosed so insurers can apply appropriate limits and security conditions.
+-What about temperature-sensitive stock?
Cover can include refrigerated stock, subject to equipment protection and maintenance requirements.
+-How much does health & beauty shop insurance cost?
Premiums depend on turnover, stock type, regulatory exposure, security and claims history. Quotes are usually available quickly.