Retail Shops Insurance
Protect your retail shop from customer injuries, stock theft and property damage with cover designed for high street retailers.
Get in touchWhat is retail shops insurance?
Retail Shops 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 or property damage in your shop.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your shop premises, fixtures, fittings and stock.
Products Liability
Covers claims from products you sell to customers.
Who needs retail shops insurance?
Independent retailers
Operating a single high street shop
Retail chains
Running multiple retail locations
Specialist retailers
Selling niche or specialist products
Convenience stores
Operating a neighbourhood convenience shop
WHY CECIL
Built differently.
Cover for retail shops risks
Retail Shops 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 retail shops insurance
Do retail shops 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 retail shops 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 retail shops 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 retail shops need?
Most retailers carry between £1m and £5m of public liability cover. Shopping centre landlords and market operators may specify minimum levels.
Does retail shops 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 Retail Shops insurance?
We will be in contact when Cecil launches.