Shop insurance

The retail industry can be challenging. Shops are vulnerable to vandalism, break-in, robbery and fire, among other significant threats. Also in today litigious society customers are more likely to seek recompense if they are injured whilst on your premises or from the goods you supply.

Enjoy a high level of cover to meet the needs and responsibilities of the modern retailer. We offer insurance for a wide range of retail trades including shops, off licenses and other retail outlets.

When you call Towergate Riskline, you will deal with knowledgeable insurance professionals who will work with you to efficiently identify your insurance requirements. Using our specially-negotiated facilities we will advise you on a tailored insurance solution providing bespoke cover for your shop or retail outlet.

• Loss or damage to contents on an 'All Risks' basis
• Glass
• Business interruption
• Money including personal accident (assault)
• Employer's liability - £10,000,000 any one claim
• Public liability - £2,000,000 any one claim - higher limits available
• Products liability - £2,000,000 aggregate limit - higher limits available

Optional

• Deterioration of refrigerated stock
• Buildings
• Goods in transit
• Loss of licence

Excesses

• From £250

Exclusions

• Where cover is arranged on an 'All Risks' basis exclusions will apply for example corrosion, rust, electrical mechanical breakdown, depreciation, wear and tear, gradual causes, damage whilst items are being cleaned, repaired altered adjusted or maintained (this list is not exhaustive)
• Damage by storm, flood or escape of water to stock in basements unless raised at least 150mm above the floor
• War, invasion or act of a foreign enemy
• Terrorism

For more information on this shop insurance please go to the frequently asked questions section.