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SERVICE RETAIL INSURANCE FOR SHOPS THAT DO MORE
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PUBLIC LIABILITY
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PROFESSIONAL INDEMNITY
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GOODS IN TRUST
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EMPLOYERS’ LIABILITY
Why Retailers with Services Need Specialist Insurance
When your shop provides advice, repairs, alterations or technical services, your risks go beyond standard retail. Specialist cover protects against customer claims, damaged items, professional errors and staff injuries.
What Does Service Retailer Insurance Cover?
- Public Liability – customer injury or property damage
- Professional Indemnity – advice, errors or faulty workmanship
- Goods in Trust – customers’ items while being repaired or altered
- Contents & Equipment – tools, machinery and fixtures
- Employers’ Liability – legal requirement if you employ staff
- Business Interruption – loss of income after insured events
Common Risks for Service-Based Retailers
- Damage to customers’ goods during repair or storage
- Incorrect advice or faulty workmanship claims
- Slips, trips and injuries on the premises
- Theft of tools, equipment or customer items
- Fire, flood or accidental damage to the shop
- Staff injuries from tools or machinery
Why Choose Insure24?
- Experts in mixed retail & service risks
- Tailored cover for advice, repair and alteration services
- Flexible limits for goods in trust and liability
- UK-based support and claims guidance
FREQUENTLY ASKED QUESTIONS
+- What insurance do service-based retailers need?
Most service retailers need public liability, professional indemnity, goods in trust and employers’ liability insurance.
+- What is goods in trust insurance?
Goods in trust insurance covers customers’ property while it is in your care, custody or control for repair or servicing.
+- Do I need professional indemnity as a retailer?
If you provide advice, fitting, repairs or technical services, professional indemnity insurance is strongly recommended.
+- Is employers’ liability insurance compulsory?
Yes. Employers’ liability insurance is a legal requirement in the UK if you employ staff, including apprentices.
+- How much does service retailer insurance cost?
Costs depend on turnover, services provided, value of customer goods, staff numbers and claims history.