Do you own a corner shop, hairdressers salon, newsagents, convenience store, cafe, boutique or a department store – we can tailor your shop insurance cover for you – QUOTE and BUY ONLINE from the UK’s leading shop insurance companies.
We provide cover for shops and stores of all kinds and all sizes working in any retail sector. So you can protect your shop’s contents and asset, earnings, all legal liabilities, as well as guard against the effects of an interruption to your business.
In addition to your shop contents insurance cover; we can also cover your shop buildings insurance if you need it.
Business Insurance Cover for:
Fixture and Fittings
It’s like an insurance shop – our virtual shelves are well stocked with the right policies for business people like you!
Quote and buy – do it all online. All you have to do is answer a few simple questions and then choose a competitive quote from the UK’s leading insurers. You then buy online, paying in full or by instalment, and your cheap shop insurance cover is sorted. All in just a few minutes!
Finding cheap shop insurance
Throughout the UK almost every village, town and city will have at least one shop. Most towns and cities contain newspaper shops, post office, convenience stores, corner shops, grocers, stationary, takeaway, chemist (pharmacy), DIY hardware stores etc. All of these shops play an important role within the community they serve. It is crucial that these shop keepers have the necessary shop insurance cover in place to protect their businesses. Claims can come from any different number of angles for any type of shop. There could be a burglary, fire, flood and even liability claim from a member of the public slipping on the shop floor.
Most shop insurance policies are usually bundled into a packaged shop policy that will provide cover for the building (if required), shop contents, fixtures, fittings, stock, public liability and employers liability. Also most shop insurance policies include many additional benefits such as business interruption, goods in transit, money, legal expenses cover etc. Some shop business insurance policies will also provide cover for theft by employees.
Some shops also have an automated teller machines (ATM) fitted either inside or outside of the building. Premises that are fitted with ATM’s must inform the shop insurance company of this, as it is a material fact that has to be declared. Some insurers will not provide shop insurance cover where premises have ATM’s fitted. Most business insurance companies however will cover this but will usually insist on a Redcare alarm system being installed at the premises. Also the insurers may also insist on shutters to be fitted to the shop front. Each risk is dealt independently by most insurers.
When asking for shop insurance quotes you must assess exactly what you want to be covered for. For some businesses they may need the shop insurance package policy but also if they own the building they can have this included in the package. With this information to hand you can then go ahead and obtain quotations for your business insurance needs. If you own an unoccupied shop premises then you must insure the building with an unoccupied commercial insurance policy.
To find cheap shop insurance deals you must compare business insurance quotations from multiple providers. Usually to qualify for cheap shop business insurance you must adhere to these key points:
Professional working alarm system must be installed at your shop
Been trading for at least 12 months and preferably more than three to qualify for claims discounts.
Must be claim free
Premises with shutters will usually also attract discounts
Shops in rural areas will also usually attract lower premiums than their city cousins
Most brokers and insurers offer online shop insurance quote systems where you can obtain newsagents insurance quotes in minutes. Even better in most cases you can tailor the policy to suit your exact business needs. However sometimes it’s the insurers or brokers that do not offer instant online quote systems have better deals and offer a more personal service via the telephone or even face to face visits.
These two items are one of the many aspect of risk and it relates to the cause of losses: A peril can be defined as that which gives rise to a loss. A hazard can be defined as that which influences the operation of the peril. At first, the distinction between the two may not […]