The protection behind the shopfront

We understand the many and varied risks that retailers face and can design a policy around the specific needs of your business, its current activities and plans for future growth.

At Gallagher, we understand that the UK retail industry is diverse, innovative and in some respects unique. Running a chain of high street stores, a pop-up store or local business comes with a specific set of challenges and risks. If you’re a fashion retailer, you’re unlikely to need the same insurance as someone that sells luxury watches and jewellery or a bakery selling cakes and bread. While they may seem the same it is the finer details that matter, this is where working with a broker that understands helps you identify the covers you should consider.

No matter your business insurance needs, having bespoke, comprehensive retail insurance that can protect you should something unexpected happen can make all the difference.

What is retail insurance?

Retailers can face many risks. From injuries on the shop floor, to theft of expensive equipment, you can never predict what is around the corner. What you can do, though, is ensure that you are protected from such circumstances.

By taking out a bespoke retail insurance policy through us, we want you to have confidence that your store can continue to operate should the worst happen.

Why do I need retail insurance?

Whether you own a family-run shoe shop or independent craft store, a retail shop insurance policy can help protect you against the risks you face. No matter how safely and carefully you run your business, issues can – and do – occur.

On a day-to-day basis, you come across many members of the public. Visitors and customers are always coming through your shop door and as a business owner you owe them a duty of care. You are also responsible for any employees you hire, which is why it can prove essential for you to secure adequate cover.

Can you provide me with some retail insurance quotes before I commit?

Absolutely. Simply get in contact with us and we will be more than happy to provide you with some retail insurance quotes. If you already have insurance and are looking to review your existing cover, no problem. We can put forward a range of options and recommendations to adjust your cover where the current levels of cover may prove to be inadequate in the event of a claim.

What insurance solutions does Gallagher provide?

Your retail business insurance cover could include the likes of stock insurance, building and contents insurance, and public, product and employers' liability cover. You may also like to look into employee theft cover and goods-in-transit cover. Below, you’ll find some of the services we can assist you with.

Business interruption insurance

One of the worst things that can happen is that your business has to close temporarily due to a fire or other serious damage. As well as the cost of replacing different items and making the repairs necessary, you could also be losing money due to not being open. This could have a huge impact on your shop or store. Business interruption insurance will help keep your business going while you’re getting back on your feet.

Employers’ liability insurance

If you run your own high-street fashion store, florist or handbag shop and hire employees and other members of staff such as cleaners, you will need employers’ liability insurance. This is a legal requirement, and without it, you can face heavy fines.

Public liability insurance

Customers will be coming into your store every day, and as the owner, you have a duty of care to them. Public liability insurance helps protect you if someone is injured, or their property is damaged because of your business.

To speak to us about specialist insurance options for retailers and shops, or call us today on 0800 138 7579 or connect with us by completing a simple online form.

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.

Retail Insurance

  • Business Interruption insurance
  • Employers’ and Public Liability insurance
  • Cyber Liability insurance for trading online
  • Fast to arrange with the option to pay monthly

  • Gallagher SME Team