My Account
We compare quotes from leading UK insurers
INSURANCE FOR SHOP PREMISES & PROPERTY RISKS
Why Retail Premises Risk Insurance Is Important
Your shop premises are at constant risk from fire, flooding, vandalism, burst pipes, storms and accidental damage.
Retail Premises Risk Insurance helps protect your building, fixtures and fittings against unexpected damage that could otherwise force your shop to close or incur significant repair costs.
What Does Retail Premises Risk Insurance Cover?
- Fire, smoke & explosion damage
- Flooding, escape of water & burst pipes
- Vandalism & malicious damage
- Storm & weather-related damage
- Accidental damage to shop premises
- Damage to fixtures, fittings & signage
- Optional cover for glass & shopfronts
Who Needs Premises Risk Insurance?
- High-street & shopping-centre retailers
- Independent shops & boutiques
- Retailers responsible for premises repairs
- Tenants with insuring lease obligations
- Shops in flood-risk or high-footfall areas
Why Arrange Premises Cover with Insure24?
- Access to specialist retail property insurers
- Cover tailored to shop locations & risks
- Advice on rebuild values & sums insured
- Optional flood & accidental damage extensions
- Easy integration with combined shop policies
FREQUENTLY ASKED QUESTIONS
+-
Does shop insurance cover fire and flood damage?
Yes. Retail premises insurance typically covers fire, flood,
escape of water and storm damage, subject to policy terms.
+-
Is vandalism and malicious damage included?
Yes. Most policies include vandalism and malicious damage,
including damage caused during attempted theft.
+-
Do tenants need premises insurance?
Often yes. Many leases require tenants to insure
fixtures, fittings or the entire premises.
+-
Is glass and shopfront damage covered?
Glass and shopfront cover is often included or
available as an optional extension.
+-
Can premises cover be combined with other shop insurance?
Yes. Retail premises insurance is commonly included
within combined or package shop insurance policies.