Retail Insurance

Protection that helps keeps your doors open should the unforeseen occur.

Get a quote 020 8349 5100

Help minimise the risks to your business with insurance solutions that are designed around you.

Whether your business is a shop, salon, restaurant, cafe or bar, an online retailer, bakery, jeweler or anything in between - any unforeseen event that interrupts everyday trading can impact your bottom line and affect your customer experience. That’s why it is important to find an insurance broker that can offer not only find the right insurance for you, but goes that one step further by giving you risk management and health and safety advice to help minimise the risks facing your business.

Standard Cover

  • Contents.

  • Stock.

  • Tenants improvements.

  • Business interruption.

  • Money.

  • Employers liability.

  • Public liability.

  • Products liability.

  • Goods in transit.

Optional Covers

Insurance for Retailers from Ashley Page

Working as your in-house broker, we can offer independent advice on the types and level of insurance available, whether that’s for one or more locations or specialist cyber insurance for online trading, a core specialty for us.

By working with a panel of the UK’s leading insurers, we can compare insurance policies and prices on your behalf to save you time and hassle. We will look at:

  • General commercial covers - from property, contents, stock and money, to marine cargo and deterioration of stock - we can also arrange cover for risks such as goods in transit, seasonal stock increases, and risks associated with floating stock cover over multiple sites.
  • Liability insurances – reviewing the right level of employers, public and products liability cover to protect you should an accident occur.
  • Business interruption – making sure you are not underinsured, that the indemnity period selected is sufficient to cover your ongoing losses, such that your business is able to recover from a major loss, such as a fire or flood.


Risk Management for Retailers

Whether you are based on the high street, online, or both – accidents can occur no matter how careful you are. From a customer suffering an injury at your shop to damage to your premises or stock, we will give you support, advice and guidance on how best to manage your risks, which can help to reduce your premiums. For instance, we will:

  • Evaluate and analyse claims to identify patterns and provide proactive risk management advice to help minimise risk exposures.
  • Provide risk management advice, health and safety checklists and toolkits to help further reduce risk.


Ongoing Support: Help from Placement to Claims

Our focus on operating as your in-house broker means our work only begins once we place your insurance.  We will always be there to offer advice and support when you need it.

We’ll provide you with:

  • A dedicated account manager to act as your first point of call for help with risk management and insurance.
  • Regular reviews to make sure your insurance keeps up with the needs of your business.
  • Help to minimise the impact of a loss - for instance help to put in place disaster recovery plans.
  • In-house claims support - we’ll always be in your corner, offering advice and support when you need it most, overseeing your claim from start to finish.
Get a quote 020 8349 5100

Our Retail Experience

With more than 40 years’ experience working with retailers of all shapes and sizes, we understand that each and every one is different with its own set of unique risks.

Using this knowledge, we provide a wide range of relevant and tailored insurance solutions for this sector including:

  • General retail insurance.
  • Restaurant insurance.
  • Online retail insurance.
  • Shop insurance.
  • Salon insurance.
  • Hair and beauty salon insurance.
  • Café insurance.
  • Jewelers block insurance.

Find out how we could help protect your business today.

Related FAQs

See all FAQs

Why do I need my Employer Reference Number (ERN) when I take out an insurance policy?

If you require employers liability and your business is not exempt from holding a HM Revenue & Customs (HMRC) Employer Reference Number (ERN), you’ll need to provide us with your ERN. Insurers need to give employers liability insurance policy details including, where appropriate, your ERN, to the Employers' Liability Tracing Office (ELTO) who will add the details to their electronic database. The database helps people who have suffered injury or disease at work in the UK to quickly and easily find the insurance company which was providing employers liability insurance at the time their injury or disease was sustained.

What is an engineering policy and do I require one?

There is a statutory requirement to perform periodic inspections on certain types of plant or equipment. An engineering policy will provide access to and cover the cost of professional inspection services, and can be extended to provide sudden and unforeseen damage cover including breakdown. If you own or operate equipment that requires regular inspection, you may need engineering cover. Examples of plant or equipment requiring regular inspection include: lifts, forklifts, power presses, exhaust ventilation plant, stored air or steam pressure, plant fitted with hydraulics, chains, wires or ropes.

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