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Retail & Shop Insurance

Insync shop and retail insurance cover is designed to protect your business from risk both offline and online

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Repeatedly awarded the Platinum Trusted Service Award by Feefo for consistently delivering excellent customer service.

Get a quote and buy your policy online in minutes. No forms, no fuss and policy documents direct to your inbox.

Review prices from a panel of insurers in minutes, saving you time as well as money. Receive instant advice from our team of Business Insurance Experts.

Shop insurance – What is covered?

Shop insurance is a tailored package providing the various components required to protect a retailers business. Cover extends from legal liability exposures such as public and employers liability to physical losses such as fire, theft or flood, to buildings, contents, stock, money and associated loss of profits. Other extensions to cover include goods-in-transit, damage to shop front or glass and fidelity cover (theft by employees)

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Is Shop Insurance compulsory?

Most retail businesses will need to employ either full or part-time staff and will be required by law to purchase employers liability insurance. Failure to arrange this cover, which provides indemnity for compensation claims received for injury to members of your workforce in the course of their employment, can result in fines of up to £2,500 per day.

Unless you own a van requiring motor insurance, no other elements of insurance for your shop are compulsory, however without protection for loss or damage to stock, or potential injury claims for slips or trips from customers or members of the public (public liability), you will be leaving your business financially exposed.

Compare Shop Insurance quotes

In the same way as retailers offer a variety of products, different insurers will provide different levels of cover and premiums. As retail insurance specialists, we can compare prices from up to 10 of the UK’s leading insurers in minutes, helping you find the right level of cover at the right price.

Our business insurance advisor will take the time to help you assess you risk and build a package that protects your business without breaking the bank!

How much does it cost to insure a Shop?

Whilst retailers insurance packages start from as little as £150 (plus insurance premium tax), each policy is individually tailored to your specific business requirements. 

Typically insurer premiums will be impacted by: 

• Location of the shop (including postal code)
• Type of business and goods being sold
• Sums insured (contents, stock etc.)
• Trading experience and previous claims history
• Sections of cover required

Should I buy cheap Shop Insurance?

As with the items your business retails, quality will play a part in the cost of your policy. It is important to compare cover levels, sums insured and any insurer requirements, such as security or alarm requirements, to ensure that the cover is suitable for your individual needs. 

That is not to say that the most expensive policy will be the best either! – Utilise the skills and advice of a specialist insurance advisor such as Insync, they will help you find the right level of cover at the right price.

Shop Cover Claims Example

A mini-supermarket suffered a fire following an electrical fault in an overloaded circuit board. The entire shop was severely smoke damaged and all stock was lost.

Total claim for replacement contents, fixtures and fittings, stock and business interruption, which covered fixed costs and expenses and loss of profits whilst the business recovered from the loss, totalled in excess of £50k.

Why choose insync for Shop & Retail insurance?

In today’s digital world, business has evolved, so why hasn’t your insurance broker?

We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Beauty Professionals throughout the UK.

Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!

start your quote today

Shop and Retail Insurance

  • Specialist cover from Shops – Big, Small or Online
  • Buildings, fixtures and fittings, shop equipment
  • Contents and Products cover
  • Signage, glass and shop front cover
  • Money cover and theft by employees
  • Public liability as a Shop Owner
  • Products liability
  • Employers’ liability covering legal liability for employed staff
  • Business interruption (loss of profits)
  • Legal Expenses

Insync for Retail Insurance

  • We compare prices and cover from leading restaurant insurers
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover and monthly payments – just pay for the sections you need
  • Expert advice from restaurant insurance specialists
  • Personal – Digital servicing AND your own dedicated insurance professional

Shop and Retail Insurance

  • Specialist cover from Shops – Big, Small or Online
  • Buildings, fixtures and fittings, shop equipment
  • Contents and Products cover
  • Signage, glass and shop front cover
  • Money cover and theft by employees
  • Public liability as a restaurateur
  • Products liability
  • Employers’ liability covering legal liability for kitchen and waiting staff
  • Business interruption (loss of profits)
  • Legal Expenses

Insync for Retail Insurance

  • We compare prices and cover from leading restaurant insurers
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover and monthly payments – just pay for the sections you need
  • Expert advice from restaurant insurance specialists
  • Personal – Digital servicing AND your own dedicated insurance professional

Brilliant Agent

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The agent made it very easy and efficient setting up my comprehensive insurance.

She was pleasant, polite and reassuring for a new customer like myself.

I would want her representing my company for sure.
ian Smith
Valued Customer

Look No Further, Contact Insync.

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Friendly, professional and reliable. Quick response and very knowledgeable.

Great customer service all round, with services and insurance covers that will give you peace of mind.

I highly recommend them.
Darren Dibble
Valued Customer

Outstanding!

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Amazing service. They kept in contact and made sure I completed everything.

Very lovely man, nice and chatty made me feel comfortable would recommend.
Demi Lambkin
Valued Customer

Exclusive FREE Benefits for all customers

At Insync, we are dedicated to delivering to our customers not only superb prices but a satisfying customer experience.

As a thank you for joining us, our customers can enjoy access to our exclusive benefits platform, Insync Benefits.

This is entirely free to our customers. Our Insync Benefits platform provides you with discounts and offers from some of the biggest high street brands.