Shop Insurance

Shop Insurance to Protect Your Retail Business

Running a shop means juggling stock, staff, and customers every day — and when something goes wrong, it can quickly affect your ability to trade. Whether you own a convenience store, boutique, café, salon, or any other retail business, the right shop insurance can protect you against risks such as theft, fire, flood, accidents, or loss of income.

At The Yorkshire Broker, we specialise in creating tailored shop insurance policies that give you peace of mind, so you can focus on serving your customers and growing your business.

What is shop insurance?

Shop insurance (also known as retail insurance) is a package of different covers designed to protect customer-facing businesses. Every shop faces unique risks, from damage to stock to liability claims if a customer slips and injures themselves. Shop insurance helps ensure that your business can continue to operate and survive financially if the unexpected happens.

Types of shop insurance cover

Depending on your business, your shop insurance policy may include:

Buildings Insurance

Covers the physical shop building if you are responsible for insuring it, protecting against risks like fire, flood, storm damage, or theft.

Business Contents Insurance

Covers fixtures, fittings, displays, shelves, counters, equipment, and furniture.

Business Equipment Insurance/Computer Equipment

For essential equipment such as tills, card machines, fridges, computers, or security systems.

Stock Insurance

Protection if your stock is damaged by fire, flooding, or if it is stolen.

Specified All Risks Insurance

Covers items like laptops or mobile phones when they’re taken away from your shop premises.

Employers’ Liability Insurance

A legal requirement if you employ staff. Covers compensation claims if an employee becomes ill or is injured at work.

Public Liability Insurance

Covers claims if a customer or visitor is injured or their property is damaged due to your business activities (e.g. a customer slips on a wet floor).

Product Liability Insurance

If a product you sell, repair, or service causes injury or damage, this provides financial protection.

Business Interruption Insurance

Helps replace lost income if you cannot trade due to an insured event such as fire or flood.

Goods in Transit Cover

Covers stock being delivered to or from your shop, whether by courier, supplier, or post.

Theft of Takings Insurance (Fidelity Guarantee)

Protects against the theft of money from your premises, staff, or while cash is being transported to the bank.

Legal Expenses Insurance

Cover for employment disputes, contract issues, and tax or VAT investigations.

Cyber Insurance

Protects against cyber attacks, data breaches, and online fraud. Especially important if you take card payments or trade online.

Do I need shop insurance?

The only cover that is legally required is employers’ liability insurance if you employ staff. However, most retail businesses choose additional protection to safeguard against the risks of theft, damage, accidents, and loss of income. Shop insurance provides the reassurance that, if something goes wrong, you can continue paying bills, covering wages, and trading as quickly as possible.

How much does shop insurance cost?

The cost depends on factors such as:

The type and size of your retail business
Whether you own or rent your premises
The value of your stock and equipment
The level of cover you choose

At The Yorkshire Broker, we work closely with you to understand your risks and present your business accurately to insurers. This ensures you only pay for the cover you really need — no hidden extras.

How much cover do I need for my shop?

Many retailers prefer to combine their cover into one easy-to-manage policy. This can include property, stock, liability, and business interruption, tailored to your shop’s size and needs. We’ll guide you through the process, helping you avoid both underinsurance and paying for unnecessary protection.

Get shop insurance today

Protect your shop, your staff, and your customers with a tailored policy from The Yorkshire Broker.

📞 Call us today on 01924 929070 or contact us online to get your personalised shop insurance quote.