Retail and Shop Insurance

We can offer valuable advice concerning the various elements of retail insurance and can help tailor a shop insurance policy to suit your business needs, ensuring you have the cover you require at competitive premiums.

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If you would prefer, feel free to call an account manager on 01202 937430

Shop insurance tailored to you

Shop insurance tailored to you

Whether you have an artisan arts and craft shop, specialise in nursery and toys, have a hairdressers or run a busy independent fashion outlet, we can shape an insurance package to suit your business and your budget. We’ll take into account the relevant factors such as the scale of your business, amount of stock, whether you employ staff, the location, size and type of property. We’ll provide you with an individual retail insurance package that leaves you free to focus on your customers.

Shop insurance tailored to you
Public liability insurance

Public liability insurance

All retailers know that it’s a sensible precaution to have public liability insurance. With areas like food hygiene and fire procedures covered by government legislation, you need adequate protection. This also applies once you employ staff where it’s a legal requirement to have employee liability insurance. Your shop becomes a place of work for others and so becomes subject to health and safety legislation.

Product liability insurance

Product liability insurance

Although product liability is primarily a manufacturer concern, you too may become liable for faulty products. You should make sure that your goods are safe otherwise you may face legal action. You may find yourself being sued by anyone who has been injured or had their property damaged by your goods.

Product liability insurance

Shop Insurance for progressive independents

We have put together a selection of shop insurance options which you may find beneficial:

  • Buildings insurance for your property, including any areas such as residential flats that are separately let or occupied.
  • Public liability insurance of £2m to cover injury to shoppers or others at your business premises.
  • Product liability insurance up to £2m to cover the sale of unsafe goods.
  • Employee liability insurance up to £10m for anyone assisting you in the course of your business.
  • Cover for your stock including up to a 25% increase at seasonal times such as Xmas.
  • General business contents insurance for items such as PC’s and furniture.
  • Legal expenses support such as a breach of the Health and Safety at work act 1974.
  • Business interruption and alternative accommodation costs in the event of a relevant claim.
  • Up to £5,000 exhibitions cover and property in transit.
  • Up to £1,000 cover for loss of keys or damage to fixed signs.
Shop Insurance for progressive independents
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What's included?

Your shop insurance package can include the following:

Buildings insurance

If you own the building where you operate your retail operation, it normally makes sense to insure the complete building as part of your retail package to ensure there are no gaps in cover.

  • This can cover rental flats and other occupied parts of the building
  • Options to include accidental damage such as breaking sanitary wear or putting a foot through a ceiling can be included
  • Unusually constructed properties or those having a history of subsidence or flooding can often be covered with little or no increase in cost

Business contents insurance

Your business contents may cover a wide variety of assets, including:

  • Simple items like furniture and PC’s through to expensive fixtures and fittings
  • Cover can extend to contents temporarily removed from your premises or when attending an exhibition

Stock insurance

Cover for your stock is important in a wide range of circumstances, including:

  • Theft
  • Damage from smoke, fire and flooding

Public liability insurance

Ensures your legal obligations are covered and that you don’t have to fret should there be trips and slips by customers.

Product liability insurance

Gives you the safety net when the manufacturer may not be liable as you’ve sold something in an unsafe condition.

Employee’s liability insurance

Once you take on additional help then you technically become an employer. This could be anybody – whether a shop assistant or cleaner, if they are working for you, you take on the associated employer liabilities, including meeting the requirements of the Health and Safety at work act 1974.

Legal expenses cover

Legal expenses cover provides help with difficult disputes:

  • Supplier contractual disputes for the sale and supply of goods
  • Employment issues concerning contracts of employment or any employment related legislation
  • Defence of criminal prosecutions and appeals against Improvement Notices under the Health and Safety at Work Act or the Food Safety Act

Kindly be advised that not all options are available on all policies. We recommend that you carefully check your policy summary and policy wording for the exact cover applicable to your circumstances.

What do our customers say?

'A proactive, competitive company – a change from the norm!'

Very good at calling back, professional and diligent. The quote was also super competitive and we will be moving more of our insurance needs across to them in due course. It’s a rarity these days to find a company that does what it promises, and does it well. I would have no hesitation in recommending.

1 2 3 4 5
Mr Rigluth

'Competitive, and hassle free application. Hope any claims are the same.'

The conscientiousness of the agents and their speed of answering queries – and a small discount persuaded me to change insurers. The efficiency of completing paperwork was excellent. Of course there have been no claims as of yet but otherwise a positive experience on a routine matter

1 2 3 4 5
Mr Phillips

'Easy to work with, makes the process a breeze, the team understand my needs'

They are great people to work with, Lisa now deals with all my insurance needs. They make it a breeze and if you need to make an amendment, they got you covered.

1 2 3 4 5
Mr Clarke Brothers Property Ltd

'Listened and made appropriate recommendations'

Spoke with many insurance companies after filling out an online form for quotes. Most asked to fill in the same information again over the phone. This got very tedious after the first five. Highworth listened, made suggestions and offered a very competitive price. An excellent service. Form filling on acceptance.

1 2 3 4 5
Mr Finnen

'Top of the class in every way'

Quick and helpful response followed by quick and efficient service at the highest professional level. Best encounter with an insurance service that I have ever had.

1 2 3 4 5
Mr Rabinowitz

'Refreshingly uncomplicated!'

They answer the phone promptly, are friendly but professional. I didn’t feel I was talking to an automaton and the whole experience was refreshingly straightforward, uncomplicated and stress free. I would definitely recommend Highworth Insurance and will use them again in the future.

1 2 3 4 5
Miss Mctavish

'Exceptional customer service'

I have a thatched cottage and only a handful of insurers will insure contents/buildings on these cottages. I found the gentleman that I dealt with really helpful and friendly and he sorted my insurance out for me. Several other insurers had on line quote forms and never got back to me with a quote. Their loss! I am not sure of the gentleman’s name, but he is a credit to your company.

1 2 3 4 5
Mrs Sayers

'This is how it should be done!'

I called Highworth at the suggestion of my partner. I found Gemma very professional and helpful. The cover options she came back with addressed my requirement perfectly. Once I had forwarded confirmation of NCD the price reduced, great! Fantastic cover, good price, excellent service!!!

1 2 3 4 5
Mr Hewitt

'Attentive and excellent service'

Highworth were recommended by a friend as they are specialists in listed properties and older properties. My contact was excellent and thorough and took time to explain the cover and options available. Once we had determined the key details and the price everything progressed very smoothly indeed.

1 2 3 4 5
Mr Cockrell

'Highworth saved me £700 this year compared to Halifax!'

Excellent service. Helpful, pleasant staff member made the process of re-insuring my house very simple. Highworth resolved an ongoing ‘subsidence’ issue that has cost me thousands of pounds over the last decade!

1 2 3 4 5
Mr Stanton

'Great service and saved lots of money!'

Last year I bought my first house and had a real trouble trying to get house insurance because of ‘historical movement’ on the survey. This year I did a lot more research and came across Highworth insurance. I did an online form and got a call back really quickly from Clarise. Clarise was brilliant. Very professional, helpful and gave excellent customer service. She also managed to save me £150 for the year. Great company to use.

1 2 3 4 5
Mr Woods

'Responsive and helpful throughout my quest for home insurance.'

I was particularly impressed with Jo Wilson who I found extremely conscientious, pro-active, immediately responsive and very helpful. I felt totally supported in what was a tricky situation where I was securing insurance for a house in a flood risk area. I felt that she was very much on my side.

1 2 3 4 5
Mr Kettle

'The right information clearly explained'

Excellent, straightforward information which covered all my needs and requirements. It was nice to get a clear explanation as to the difference between those who advertise they can insure you for £140 or so (which they can’t) and those who actually understand clients.

1 2 3 4 5
Mr Shaw

'Quick solution to a sudden problem'

Having moved home I suddenly needed to sort out my buildings insurance as my existing insurer said my current policy could not continue as I had moved into a leasehold flat. I didn’t realise I had a problem until I notified them of my change of address. The person dealing with my enquiry settled all my problems and issued a policy to cover my needs.

1 2 3 4 5
Mr Charlwood

'Outstanding service from highly skilled professional – exceptional'

Outstanding service from an individual who was focused on finding the best policy for us. I would strongly recommend this company to others and to anyone who wants assurance that their home is well insured.

1 2 3 4 5
Mrs Scott

'Efficient, polite and knowledgeable service!'

From the first phone call to ask questions on the levels of cover available for our house renovations, through to the decision and policy purchase, the help and guidance provided by Daniel was superb. A very efficient, polite and knowledgeable service. Thank you!

1 2 3 4 5
Mr Faux
To discuss your insurance needs with an experienced account manager please call 01202 937430 or apply online to get an instant quote