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Shop Insurance

Cover tailored for your retail business

Whether you own a small corner shop or run a larger retail business operating across multiple locations, you can face numerous risks as a business.

A customer or employee may make a claim against you for a negligent act that causes injury; a burst pipe could damage high-value stock; or an unforeseen incident could lead to a period of business interruption, affecting your ability to trade. This is where a retail insurance policy can offer you financial protection.

However, shop insurance isn’t ‘one-size-fits all’—it’s important to get appropriate cover that reflects the products you sell and the way your business operates.

A jeweller, for example, may be exposed to different risks than a bakery, and a pop-up shop or local business would need different levels of cover than a large retail outlet or a chain of stores. We can work with you to ensure you have the appropriate insurance for your retail business, whatever its size or complexity.
Shop Insurance

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Gallagher – Key Benefits

  • Compare prices from our panel of insurers
  • Get a quote and buy online in minutes
  • Policies tailored to your small business
  • Specialist team on hand for advice and guidance

What can your cover include?

A shop and retail business insurance policy can include the following types of cover:
Public Liability Protects you financially if you are deemed liable for damage, illness or injury suffered by a member of the public.
Employers’ Liability Protects you financially if an employee brings a claim against you for illness or injury due to their work.
Buildings & Contents Compensates you for money spent on improving or refurbishing the property in the event of damage to the premises.
Tenants Improvements Compensates you for money spent on improving or refurbishing the property in the event of damage to the premises.
Stock Covers stock that is lost, stolen or damaged.
Deterioration of stock Covers goods spoiled due to a breakdown of refrigeration equipment.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

A risk management partner for small businesses

We can provide cover to suit your needs, so you can focus on running your business.

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Advice

Professional advice and guidance on obtaining suitable covers to help protect your business when you need it most.

Market Access

Using our experience and knowledge of the insurance market, we will work with you to find a competitive premium, by searching rates from across our carefully selected panel of insurers.

Straightforward

We understand that obtaining a quotation can feel complicated; our staff are on hand to help guide you, to make the quotation process quicker and easier.

Unique

Additional covers and policy benefits specifically available for Gallagher customers.

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