Services

Retail Shop Insurance

retail shop insurance

Buying with Confidence

Retail Shop Insurance for customer-facing enterprises is essential in protecting yourself and your business. Retail insurance can provide cover for the buildings, contents, stock, liability for the public and your employees, and lost revenue due to business interruption. We have access to insurers that provide cover for a wide range of retail businesses including supermarkets, hairdressers, beauty salons, florists, and garden centres.

There are insurance covers you will typically see under a Retail Insurance policy which can be crucial to the smooth running of your business:

  • Building & Contents
  • Employers Liability Insurance – a legal requirement in the UK
  • Public Liability Insurance
  • Business Interruption
  • Cyber & Data Insurance
  • Mechanical, Electrical & IT Equipment
  • Assault & Money Cover
  • Legal Expenses Insurance

Retail Shop Insurance with Lloyd & Whyte Community Broking

Key Benefits

Protection of Physical Assets – Retail shops rely heavily on their physical premises and inventory. The range of insurance policies we have access to cover damage or loss due to events such as fire, theft, and vandalism. This ensures that your shop’s structure and contents are protected, allowing you to recover quickly from physical incidents.

Business Interruption Insurance – Unforeseen events can disrupt your operations, leading to significant financial losses. We can source Business Interruption insurance that helps cover lost income and additional expenses incurred while your shop is out of action.

Liability Insurance – Retail businesses face various liability risks, from customer injuries on your premises to product-related claims. We can access polices for Public Liability and Product Liability which provide robust protection against legal expenses and compensation costs in case you have been negligent and are liable.

Insurance Cover for Stock – Stock will be the lifeblood of your retail business. Our insurance solutions cover your stock against risks such as theft, damage, and spoilage caused by insured events such as fire. This protection ensures that you can replace lost or damaged goods without incurring significant financial strain. Many retail businesses have key periods of the year where they are busier than usual. This option is great for shops and retailers that see fluctuations throughout the year. You may hold more stock during the Christmas period, for example. This will cover these seasonal increases of stock up to the amount allowed by your insurer, so that if anything were to happen to them, you would be financially covered and compensated.

Cyber Insurance – Retail businesses hold sensitive customer data and process payments online. Cyber criminals are always finding new ways to hack into your systems, most commonly through opening an attachment in a fake email. If this happens and they access your data or bank account, the impact on your business could be devastating.

Personalised Service & Expert Guidance

Tailored Insurance Solutions

At Lloyd & Whyte Community Broking, we understand that every retail business is unique. We conduct thorough assessments to recommend tailored insurance solutions that provide comprehensive protection without unnecessary costs.

Transparent and Straightforward Process

We believe in making insurance straightforward and hassle-free. From the initial consultation to policy selection and implementation, our advisers guide you through each step, providing clear explanations and expert advice. Our goal is to ensure you fully understand your coverage and feel confident in your insurance decisions.

Ongoing Support and Policy Management

Our commitment to our clients extends beyond policy initiation. We provide continuous support to ensure your coverage remains relevant as your business evolves. Regular reviews and updates to your policy help address any changes in your operations, keeping you adequately protected at all times.

Partnering for Success

We’re more than just an insurance provider. Our deep understanding of the retail sector, combined with our commitment to personalised service, ensures that you have a reliable team to help navigate the complexities of insurance. By choosing us, you gain access to comprehensive coverage, expert guidance, and ongoing support, all designed to protect your retail business and help it thrive.


Our team of insurance experts can provide you and your business with appropriate cover. To find out more, or to discuss your Retail Shop Insurance, contact us today.

retail shop insurance
retail shop insurance

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