Hardware Stores Insurance
Protect your hardware store from customer injuries, product claims and stock losses with cover designed for DIY and hardware retailers.
Get in touchWhat is hardware stores insurance?
Hardware Stores insurance is a specialist policy designed to protect retail businesses from the risks of selling products, managing premises and employing staff. It typically includes public liability, employers liability, stock cover and buildings and contents insurance.
Running a retail business involves risks from customer injuries and product claims to theft and property damage. The right insurance protects you against claims that could otherwise threaten your business.
Find insurers who understand retail and ecommerce businesses, so your cover reflects the products you sell and the channels you trade through.
Public Liability
Covers claims from customers for injury at your hardware store.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your premises, shelving, equipment and stock.
Products Liability
Covers claims from hardware products you sell.
Who needs hardware stores insurance?
Independent hardware stores
Operating a high street ironmongers or hardware shop
DIY superstores
Running a large-format DIY and home improvement store
Trade counters
Supplying hardware and materials to tradespeople
Online hardware retailers
Selling hardware and tools through a website
WHY CECIL
Built differently.
Cover for hardware stores risks
Hardware Stores face specific risks from product claims to customer injuries. Cecil finds insurers who understand your retail sector and cover these risks properly.
Stock and premises protected
Your stock and premises are your primary assets. Cecil ensures your policy covers the full value of your inventory and business property.
Products liability included
If a product you sell causes injury or damage, products liability covers the claim. Cecil makes sure this is part of your retail insurance package.
Competitive quotes for retailers
Get options from specialist insurers to find retail insurance from specialist providers. Cover that reflects the specific risks of your business, not a generic commercial policy.
Common questions about hardware stores insurance
Do hardware stores need public liability insurance?
Yes, public liability is essential for retail businesses. Customer injuries on your premises and product-related claims are real risks that require proper cover.
Does hardware stores insurance cover stock theft?
Yes, your buildings and contents policy typically covers stock theft, subject to security requirements. Cecil ensures your stock is covered at its full value.
Do hardware stores need products liability insurance?
If you sell products to customers, products liability covers claims if those products cause injury or damage. It is an essential part of retail insurance.
What level of public liability do hardware stores need?
Most retailers carry between £1m and £5m of public liability cover. Shopping centre landlords and market operators may specify minimum levels.
Does hardware stores insurance cover online sales?
Products liability covers your products wherever they are sold. If you sell online, make sure your insurer knows about your ecommerce operations.
Interested in Hardware Stores insurance?
We will be in contact when Cecil launches.