Retail Insurance
Comprehensive Retail Insurance Cover for Shops & Stores
Running a retail business comes with various risks, from theft and property damage to customer claims and business interruptions. Whether you operate a small independent shop or a large retail chain, having the right insurance ensures financial security and business continuity.
ABA Insurance provides specialist Retail Insurance, offering tailored protection for high street stores, supermarkets, boutiques, and online retailers. Our policies cover stock, premises, equipment, employees, and legal liabilities, giving you peace of mind to focus on running your business.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Retail Insurance?
Retail Insurance is a comprehensive business insurance policy that protects shop owners against financial losses, legal claims, and property damage. It combines several types of cover into one policy, making it easier to manage and ensuring full protection.
This insurance is essential for:
- Clothing and fashion boutiques
- Supermarkets and convenience stores
- Electronics and home appliance retailers
- Furniture and home decor stores
- Jewellery, gift, and toy shops
- Pharmacies and health stores
- E-commerce and online retail businesses
Without the right cover, retail businesses may struggle with legal disputes, stock losses, and financial difficulties following an unexpected incident.
Why Do You Need Retail Insurance?
Protection Against Theft and Vandalism
Retail stores are high-risk targets for theft, burglary, and vandalism. This insurance covers repair costs, stolen stock, and business losses due to crime-related incidents.
Cover for Stock, Equipment, and Premises
Retailers rely on valuable stock, point-of-sale systems, shelving, and display units. If these are damaged, lost, or stolen, insurance ensures fast replacements to avoid disruption.
Public and Employers’ Liability Cover
If a customer slips on a wet floor or is injured due to faulty equipment, they may file a claim against your business. Public liability insurance covers legal fees, medical expenses, and compensation claims.
For businesses with employees, employers’ liability insurance is legally required to protect against workplace injury claims.
Business Interruption Cover for Unexpected Closures
If your shop is forced to close due to fire, flood, or equipment failure, business interruption insurance helps cover lost income and ongoing expenses.
Cyber Insurance for Online Retailers
If your business processes online payments or stores customer data, cyber insurance helps protect against hacking, fraud, and data breaches.
Compliance with Lease Agreements and Business Contracts
Many landlords and suppliers require proof of insurance before signing lease agreements or supply contracts. This policy ensures compliance with legal and contractual obligations.
What Does Retail Insurance Cover?
- Public liability insurance for customer injuries and property damage claims
- Employers’ liability insurance for staff injury and illness claims
- Stock insurance to protect goods from theft, fire, and accidental damage
- Property insurance for shop premises, fixtures, and equipment
- Business interruption insurance to cover lost income from closures
- Theft and vandalism cover for break-ins and criminal damage
- Legal expenses insurance for contract disputes and business-related claims
Get The Right Business Insurance
How To Get The Right Retail Insurance Policy For Your Business
Worried About Theft and Shoplifting?
Retailers lose millions every year due to shoplifting and break-ins. Our policies ensure quick replacements and compensation to cover losses.
Concerned About Customer Injury Claims?
Even minor incidents like slips and trips can lead to expensive claims. Our public liability cover helps protect your business from legal action.
Need to Protect Your Stock and Shop Equipment?
Stock is the lifeblood of any retail business. Our insurance ensures quick replacements for stolen, lost, or damaged inventory.
Looking for Cost-Effective Business Insurance?
We offer customisable policies tailored to your shop size, product range, and budget, ensuring affordable and comprehensive protection.
Need a Fast and Hassle-Free Claims Process?
Our dedicated claims team ensures quick settlements, helping your business recover from unexpected losses without disruption.
How Much Does Retail Insurance Cost?
The cost of Retail Insurance depends on factors such as:
- The type of products sold and stock value
- The size and location of the retail business
- The number of employees and level of employer liability required
- Security measures in place, such as alarms and CCTV
- Previous claims history and overall business risk assessment
ABA Insurance provides tailored policies at competitive rates, ensuring retailers receive the best protection for their specific needs.
Why Choose ABA Insurance for Retail Insurance?
- Industry expertise with specialist cover for retail businesses
- Flexible policies designed for physical stores and online retailers
- Competitive pricing with cost-effective insurance packages
- Fast quotes and an easy application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Retail Insurance Today
Protect your retail business, stock, and staff with Retail Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.