Shop Insurance

Keystone’s business insurance team provides the best cover money can buy for shops & retail units.

We have a dedicated in-house team to deal with ‘package’ policies for retailers.  We offer expert advice & quotations & cover can be arranged instantly.  No matter what you sell we can arrange the appropriate cover to makes sure you have peace of mind you deserve!  Retail businesses are vulnerable to many different types of claims.  As a shop owner/manager your business is vulnerable to Employers Liability Claims for Staff, Public Liability Claims from customers along with regular business claims such as fire, water damage, burglary etc.

Simply fill out the form below to get a quick and easy Shop Insurance Quote!

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Employers Liability Insurance

Employers Liability protects your business from claims made by staff who have suffered injury or illness at work through the fault of your business.

Public Liability Insurance

Public liability protects your business from claims made by customers who suffer injury on your premises.  For example, a customer is likely to claim compensation if he / she suffered injury by slipping on a wet floor, tripping on a discarded box etc.  Public Liability covers the total cost of such claims including the associated legal expenses.

Stock Protection

Most retail businesses will have a significant level of stock on the premises & we will arrange cover for your stock to cover and it against fire, flood and theft etc.

Contents & Fittings Policy

It is important to cover your contents, fixtures & fittings such as counters, shelving etc.  We will arrange contents & fixtures/fittings policy as part of the overall package.

Money & Cash Cover

We will insure Money & Cash at your premises. The limits available depend on your security arrangements, type of business etc

Buildings

If you own the premises that you operate from we can include cover for the premises

‘All Risks’ on specified items

Cover for specified items for loss or damage away from your business premise.

Business Interruption

Covers the loss of profits from your business, arising from insured events such as a fire.

Shop Insurance – Frequently Asked Questions

Why do I need a Shop Insurance policy?

A shop policy covers you against legal liabilities and risks you may face as a retailer.

Public liability enables you to meet the cost of damages which may be awarded to members of the public for injuries sustained in your shop.

Employers’ liability enables you to meet the cost of damages and legal fees for employees who are injured or made ill at work as a result of your negligence.

What is Business Interruption policy?

Business interruption covers your retail business against losses incurred following a loss which is covered by your shop policy.

For example, if you were unable to trade because of a major fire at your premises, a business interruption policy could pay for your lost earnings and costs during the period of interruption.

What is Public Liability policy?

Public liability covers your legal liability to pay damages awarded to members of the public for injury, illness, disease, or damage to their property, sustained as a result your negligence.

What is Employers’ Liability policy?

Employers’ liability covers your legal liability to pay damages awarded to an employee for an injury, illness or disease which has resulted from working for you.

What types of shops do you cover?

We arrange cover for all types of Shops & Retail Units

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