Shops & Trades Insurance

Retail Shop Insurance

Comprehensive protection for independent retailers and shop owners. From high street boutiques to convenience stores, we arrange tailored cover to protect your premises, stock, and business income.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Retail Insurance Cover?

Retail shop insurance combines several covers to protect your business premises and operations. Typical coverage includes:

Buildings Insurance

Protection for your shop premises against fire, flood, storm, and other insured perils. Essential if you own the freehold.

Contents & Fixtures

Cover for shop fittings, furniture, equipment, and machinery including refrigeration units and display cases.

Stock Insurance

Protection for your retail stock against damage, theft, and other insured events. Can include seasonal stock increases.

Business Interruption

Replacement of lost gross profit if you can't trade due to an insured event, covering fixed costs and lost income.

Public Liability

Protection if a customer or member of the public is injured at your premises – typically £2m-£5m cover.

Employers' Liability

Legally required if you have employees – covers claims from staff injured at work. Minimum £5m, typically £10m.

Money Cover

Protection for cash on premises, in transit to the bank, and in a safe overnight.

Glass & Signage

Cover for shop front glass, mirrors, and external signage against accidental damage and vandalism.

Goods in Transit

Protection for stock while being transported to or from your premises.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Retail Expertise

Over 10 years arranging insurance for independent retailers across all sectors.

Tailored Cover

Policies matched to your specific retail sector, from fashion to food to hardware.

Claims Support

Dedicated support to help you through the claims process and get back to trading.

Market Access

Access to specialist retail insurers offering premiums suited to your risk profile.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Own or lease retail shop premises
Sell goods directly to the public
Hold stock on your premises
Employ staff in your shop
Need to protect against theft and damage
Want cover for business interruption

What We'll Need for Your Quote

1
Shop address and type of retail business
2
Whether you own or lease the premises
3
Buildings rebuild value (if applicable)
4
Contents and stock values
5
Annual turnover/gross profit
6
Number of employees
7
Security measures in place
8
Claims history for the past 5 years

Get Your Quote

Frequently Asked Questions

Do I need buildings insurance if I rent my shop?

If you lease your premises, your landlord is typically responsible for buildings insurance. However, you should check your lease – you may need to contribute to the cost or arrange your own cover for tenant's improvements and alterations.

How much stock cover do I need?

You should insure the maximum value of stock you hold at any time, including seasonal peaks. Underinsurance can result in claims being reduced proportionally. We recommend reviewing stock levels regularly and adjusting cover accordingly.

What security do insurers require?

Requirements vary by insurer and risk, but typically include minimum lock standards, intruder alarms, and sometimes CCTV or shutters for higher-risk locations. We'll advise on the specific requirements for your policy.

Is theft by employees covered?

Employee theft (fidelity) cover is usually an optional extra. Standard policies cover theft by third parties but exclude dishonesty by staff. If this is a concern, we can arrange appropriate fidelity cover.

What is business interruption insurance?

Business interruption cover pays your ongoing costs and lost profits if you can't trade due to an insured event (like a fire). It ensures you can pay rent, wages, and other fixed costs while your shop is closed for repairs.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.