Shop Insurance

Keystone Insurances business team provide the best insurance that money can buy for shops & retail units.

We have a dedicated in-house team to deal with 'package' policies for retailers.

We offer expert advice while quotations & cover can be arranged instantly.

An independent insurance broker we search the entire market. Here are examples of some of the insurers that we arrange retail business insurance quotes with:

No matter what you sell we can arrange the appropriate insurance cover to makes sure you have peace of mind you deserve!

Retail businesses are vulnerable to many different types of claims.

As a shop owner/manager your business is venerable to Employers Liability Claims for Staff, Public Liability Claims from customers along with regular business claims such as fire, water damage, burglary etc.

Employers Liability Insurance

Employers Liability Insurance protects your business from claims made by staff who have suffered injury or illness at work through the fault of your business.

Public Liability Insurance

Public liability insurance protects your business from claims made by customers who suffer injury on your premises.

For example, a customer is likely to claim compensation if he / she suffered injury by slipping on a wet floor, tripping on a discarded box etc

Public Liability Insurance covers the total cost of such claims including the associated legal expenses.

Stock Protection

Most retail businesses will have a significant level of stock on the premises & we will arrange cover for your stock to cover and it against fire, flood and theft etc.

Contents & fittings Insurance

It is important to cover your contents, fixtures & fittings such as counters, shelving etc.

We will arrange contents & fixtures/fittings insurance for as part of the overall package.

Money & Cash Cover

We will insure Money & Cash at your premises. The limits available depend on your security arrangements, type of business etc

Buildings

If you own the premises that you operate from we can include cover for the premises

'All Risks' on specified items

Cover for specified items for loss or damage away from your business premise

Business Interruption

Covers the loss of profits from your business, arising from insured events such as a fire

Shop Insurance – Frequently Asked Questions

Why do I need shop insurance?

A shop insurance policy covers you against legal liabilities and risks you face as a retailer.

Public liability insurance enables you to meet the cost of damages which may be awarded to members of the public for injuries sustained in your shop.

Employers' liability insurance enables you to meet the cost of damages and legal fees for employees who are injured or made ill at work as a result of your negligence.

What is business interruption insurance?

Business interruption insurance covers your retail business against losses incurred following a loss which is covered by your shop insurance.

For example, if you were unable to trade because of a major fire at your premises, business interruption insurance could pay for your lost earnings and costs during the period of interruption.

What is public liability insurance?

Public liability insurance covers your legal liability to pay damages awarded to members of the public for injury, illness, disease, or damage to their property, sustained as a result your negligence.

What is employers' liability insurance?

Employers' liability insurance covers your legal liability to pay damages awarded to an employee for an injury, illness or disease which has resulted from working for you.

What types of shops do you cover?

We arrange cover for all types of Shops & Retail Units