More than just insurance
Shop & Retail Insurance
We can help you find the right insurance for your shop or retail business at a competitive premium. Whatever it is you sell, we will get to understand your business and make sure that your business has the right level of protection for the risks you face.
What cover does a shop or retail business need?
This will depend on the specific details of your shop business. We’ll make sure you have cover for everything you need and it would typically include the following:
- Material Damage cover for any buildings, furniture and shop fittings, business equipment and stock you may have.
- Business Interruption, to protect against loss of revenue following a claim under your Material Damage cover.
- Public and Employers’ Liability to protect the public and your employees in the event of an injury or financial loss.
- Product Liability to cover liabilities arising specifically from the use of any products you make, by a customer or other third party.
- Professional Indemnity Insurance can be an option where you provide designs, specifications or bespoke products from your shop.
- Money cover if you handle or keep large amounts of cash on the premises.
- Glass cover can specifically cover any ornate or branded glass shopfronts to ensure that they are fully replaced to the same standard.
We carry out a detailed fact find to ensure that we understand your business fully. Then we can make sure that we find the right cover for your needs at a competitive premium.
Health & Safety for your Shop or Retail Business
The more successful your shop business is, the more people you’re likely to have visit your premises. For a busy shop, Health & Safety can be especially important to help avoid or minimise the risk of accidents and injuries.
Not only can we arrange insurance for when the unexpected happens, but we can help you improve your Health & Safety processes. Through our group company, Risk Support Services we can help you take practical steps to manage Health & Safety more effectively.
We do this by providing risk management advice and training, delivered by experienced industry specialists. They deliver clear, pragmatic advice that you can put into practice so that your staff are clear on the procedures they need to follow. This service complements your insurance arrangements and could help avoid premium increases in the long run.
How we can help with your Shop or Retail Insurance
We’ve helped many businesses with their insurance requirements since 1924, including many retail businesses. Now, as part of the JMG Group, we’re a top-30 UK insurance broker. Our strong relationships with insurers – including shop and retail specialists – help us to find you the right cover at competitive premiums.
In the event of a claim, we would work closely with you and the insurers to help settle your claim. Our aim is to help you settle your claim promptly because we recognise the importance of getting your shop back to normal as quickly as possible to ensure that customers can still visit you.
Contact us to discuss your Shop or Retail Insurance
If you’d like to arrange a quote, or simply to discuss your insurance for a shop or retail business, contact our Liverpool office or our Gloucester office and we’ll be happy to discuss your requirements with you.