Retail Business Insurance

Retail business insurance — The shield for your shopfront

At Gallagher, we understand the UK retail industry is diverse, innovative, and, in some respects, unique. Running a chain of high-street stores, pop-up stores, or local businesses comes with specific challenges and risks.

No matter the size of your business, our team of retail insurance specialists can help you protect it against the many risks you face as a retailer. From florists to furniture stores, our policies are designed to suit many different industries.

Retail insurance solutions tailored to your business needs

As a retail business owner, navigating daily risks is part of the job. Accidents and damages can occur unexpectedly, making retail business insurance an essential safeguard against significant financial setbacks.

When the unforeseen strikes, having the appropriate coverage can be a game-changer. Retail insurance can offer protection against risks such as employer liability and damaged stock, retail premises, and store contents. Tailor your policy to meet your specific needs with a variety of optional covers available. Our team of specialists is here to confidently guide you, whether you're seeking advice on selecting suitable coverage or need assistance with filing a claim.

Why choose Gallagher

Choosing Gallagher for your retail business insurance needs means opting for tailored solutions that cater to the unique risks your business faces. With a wide range of coverage options—business interruption, liability, cyber protection, contents and goods in transit insurance—Gallagher ensures your business is well-protected. Our service is designed to allow you to focus on what you do best as we take care of your insurance needs.

Why choose Gallagher

We understand the pressures of running a trade business and keeping work moving. Breakages, accidents, or theft can happen unexpectedly, risking your valuable tools and ability to work.

As a specialist insurance broker, Gallagher can arrange coverage tailored to your trade and unique risks. Our team helps sole traders and small businesses find cover that helps protect their tools, equipment and income.

We aim to keep the process clear and straightforward, offering cover that adapts as your business grows. Speak to our team to see how we can help support you and your tradesman business.

Source

* “Employers' liability insurance,” gov.uk, accessed 21 July 2025.