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We compare quotes from leading UK retail & service liability insurers
LIABILITY INSURANCE FOR SHOPS PROVIDING SERVICES
Many retail businesses now offer in-store services such as tailoring, alterations, beauty treatments, fittings, repairs or consultations. These activities create additional liability exposures that standard shop insurance may not fully cover.
What Does In-Store Service Liability Insurance Cover?
- Public & customer liability for service-related injuries
- Professional negligence or errors (where applicable)
- Damage to customers’ personal property
- Claims arising from fittings, treatments or alterations
- Legal defence costs & compensation awards
- Employers’ Liability for staff performing services
Examples of In-Store Services That Need Specialist Cover
- Clothing alterations & tailoring
- Beauty treatments & cosmetic services
- Ear piercing or minor cosmetic procedures
- Shoe repairs or product customisation
- Personal fittings or consultations
- Product demonstrations involving customers
Why Standard Shop Insurance May Not Be Enough
Standard retail insurance is designed primarily for selling goods. When services are provided, insurers may require additional disclosures, higher limits or professional liability extensions to ensure claims are covered.
Why Arrange Service Liability Insurance with Insure24?
- Expertise in blended retail & service risks
- Correct structuring of public vs professional liability
- Cover for single shops or multi-location retailers
- Support with insurer disclosures & compliance
- Fast quotes & UK-based claims support
FREQUENTLY ASKED QUESTIONS
+-Is public liability enough if my shop provides services?
Not always. Some in-store services require professional or treatment liability in addition to public liability.
+-Do beauty or cosmetic services need specialist insurance?
Yes. Beauty treatments and cosmetic services usually require specific disclosures and additional cover.
+-Are customer fittings covered?
Fittings can be covered, but insurers must be informed as they increase the risk profile.
+-Does this cover damage to customer property?
Yes. Cover can include damage to customers’ clothing or belongings while services are carried out.
+-How much does service liability insurance cost?
Costs depend on the type of services offered, staff experience, turnover and claims history.