Shop Insurance for Small Businesses

Help protect your store with tailored cover

Running a shop can mean facing risks you might not always see coming, whether it’s damage to stock, a customer accident, or disruption to trading. These situations can place pressure on your business, which is where shop insurance can help keep your business moving.

Gallagher supports retailers of all sizes, including family-run stores, franchises, and larger outlets. With decades of experience, we can arrange cover that’s tailored to your requirements and helps protect your business as it grows.

Shop insurance for small businesses from Gallagher

Running a shop can be rewarding, but it also means taking responsibility for your premises, stock, staff, and customers. Shop insurance can bring these protections together under one policy, helping you work through unexpected events that could affect your business.

Claims can arise in many ways. Perhaps an employee was injured while working, or a customer was injured by a product you sell. Whatever the event, having suitable cover in place can help you manage these situations and continue trading with confidence.

What's not covered

This insurance typically doesn't cover issues such as:

• Wear and tear or gradual deterioration: For example, corrosion, damp, or damage from poor maintenance
• Pre-existing or deliberate damage: Including damage occurring before the policy start date or caused intentionally

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.

Shops and retail businesses we can cover

Gallagher can arrange shop insurance for a wide range of retail and salon businesses, including:

• Retailers (clothing, fashion, grocery, newsagents, convenience stores, florists, gift shops, and homeware stores)
• Hair and beauty salons, including barbers, nail salons and beauty treatment providers
• Specialist and service retailers, such as pet shops, electrical stores, DIY and hardware outlets
• Franchisees and branded outlets
• Online retailers with physical premises
• Large retail chains and multi-store operations

Why choose Gallagher

Running a shop means dealing with many moving parts, but arranging insurance shouldn't add to that workload. Gallagher aims to keep the process straightforward, helping you compare options and understand what each policy can offer.

As one of the UK's largest insurance brokers, we work with a wide network of insurers to give retailers access to a broad choice of cover. Rest assured, we can help you arrange shop insurance that supports the way your business works.