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SHOP INSURANCE DESIGNED FOR INDEPENDENT RETAILERS
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PUBLIC LIABILITY
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STOCK & CONTENTS
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BUSINESS INTERRUPTION
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EMPLOYERS’ LIABILITY
Why Insurance Matters for Independent Shops
Independent retailers face daily risks — from customer injuries and theft, to fire, flood, and loss of income. A tailored shop insurance policy protects your premises, stock, staff, and reputation.
What Does Independent Shop Insurance Cover?
- Public Liability – claims from customers injured in your shop
- Stock Insurance – theft, fire, flood and accidental damage
- Contents & Fixtures – counters, shelving, signage and equipment
- Business Interruption – loss of income after insured events
- Employers’ Liability – legal requirement if you employ staff
- Money Cover – cash on premises and in transit
Why Choose Insure24 for Shop Insurance?
- Independent specialists in UK retail insurance
- Access to multiple shop insurers
- Cover for single shops or multiple locations
- Fast quotes and competitive premiums
FREQUENTLY ASKED QUESTIONS
+- What insurance does an independent shop need?
Most independent shops need public liability, stock insurance, contents cover and employers’ liability if staff are employed.
+- Is shop insurance a legal requirement?
Employers’ liability insurance is a legal requirement in the UK if you employ staff.
+- Does shop insurance cover theft?
Yes, stock and contents insurance can cover theft, burglary and vandalism, subject to policy terms.
+- Can I insure seasonal or fluctuating stock levels?
Yes, many policies allow flexible or increased stock limits during peak trading periods.
+- How much does independent shop insurance cost?
Costs depend on shop type, location, turnover, stock value and claims history. Contact Insure24 for a tailored quote.
+- Can I cover multiple shops on one policy?
Yes, we can arrange single or multi-location policies for retailers with more than one premises.