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INSURANCE AGAINST RETAIL THEFT & SHOPLIFTING
Why Stock Theft & Shoplifting Insurance Matters
Retail theft and shoplifting are among the most common causes of loss for UK shops, from opportunistic shoplifters to organised retail crime.
Stock Theft & Shoplifting Insurance helps protect your business against financial losses caused by stolen goods, forced entry, smash-and-grab incidents and malicious damage.
What Does Stock Theft & Shoplifting Insurance Cover?
- Theft following forced or violent entry
- Shoplifting losses (subject to policy terms)
- Smash-and-grab and organised retail theft
- Malicious damage caused during theft
- Stock stolen from shop floors or storerooms
- Optional cover for theft during trading hours
- Cover aligned to your stock values
Who Needs Retail Theft & Shoplifting Cover?
- Fashion & clothing retailers
- Convenience stores & newsagents
- Electronics & mobile phone shops
- Jewellery, gifts & high-value retailers
- Shops with easily resold stock
Why Arrange Theft & Shoplifting Cover with Insure24?
- Access to specialist retail insurers
- Cover tailored to theft-prone stock
- Advice on security requirements
- Competitive pricing for high-risk retailers
- Easy combination with shop package policies
FREQUENTLY ASKED QUESTIONS
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Does shop insurance cover shoplifting?
Some policies include shoplifting cover, while others require specific extensions.
Cover depends on your security measures and policy terms.
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Is theft during trading hours covered?
Theft during trading hours may require additional cover and
is subject to conditions such as CCTV, alarms or staff presence.
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Do insurers require specific security measures?
Yes. Insurers often require alarms, locks, shutters, CCTV or
safes depending on your shop type and stock value.
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Is theft by employees covered?
Employee theft is usually excluded but may be covered
under a separate Fidelity Guarantee extension.
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Can theft cover be included in a combined shop policy?
Yes. Theft and shoplifting cover is commonly included
within combined or package shop insurance policies.