Not all Shop owners are the same, so why should your insurance be?
Whether your business is online or on the high street, we’ve got you covered with our business insurance for shops, restaurants, cafes or bars. We provide cover for a wide range of retail businesses, from health food shops and hairdressers, to takeaways and home-based retailers. So, if your business is based in a shop, make sure you tell us so we can give you the right cover. With Clarke Williams Insurance Brokers, you’ll get the freedom to tailor your insurance cover to meet your needs. That means you get the cover that’s right for your business – not someone else’s.
Compare shop insurance quotes
Clarke Williams Ltd will compare multiple quotes from a range of leading insurers and get a tailored shop insurance quote for your business. It’s quick, easy and specific. Your dedicated account advisor is at the end of a phone line. And if you choose us, you’ll benefit from dealing with account advisors based in the UK, their specialist knowledge and the option of monthly payments.
What insurance do I need for my Shop?
When it comes to insuring your business, you will want to make sure that you are fully protected for any eventuality. With our help, this does not have to be a time-consuming process.
As experts in the field, we will work with you to make sure that your livelihood is protected properly to give you full peace of mind.
For a quote tailored to your individual needs, contact our
knowledgeable team today on 01732 252 898
or submit your details below
Submit your details for a quote
What additional covers can be included under a Shop Insurance Policy?
We cover your legal requirements of Public Liability and Employers Liability as standard and can extend to include the following:
Stock – Covers the value of your stock in your premises in the event of theft, loss or damage.
Contents – Covers your fixtures and fittings aswell as any other contents at your premises in the event of theft, loss or damage.
Buildings – Covers the structure of your premises, as well as fixtures, fittings and improvements in the event of accidental loss, destruction or damage.
Loss of business money – Covers your business money in the event it is stolen from your premises or your home.
Goods in transit – Covers you if your goods are lost or damaged in transit while being carried by a third party or in vehicles owned or operated by you.
Business interruption – Covers you if your business suffers a loss of income following an incident, you will need to cover any loss of profits and continuing overheads, including wages and rent.
Accounts receivable – Covers money you are owed by your customers if your accounting records or other business books are lost due to damage.
Business equipment – Covers you in the event of theft, loss or damage to portable business equipment that you use in or away from your premises.
Legal expenses – Protect your business from the costs of legal proceedings such as breach of contract, data protection, employment and VAT disputes.
Loss of licence – Covers you if you lose your licence to sell alcohol loss of sales and the reduction in the value of your shop.
What is ‘Seasonal Increase of Stock’ insurance?
This is for shops and other businesses that have amounts of stock which fluctuate substantially in different seasons (a garden furniture retailer for example will have more stock in June/July). This cover allows your ‘sums insured’ amount to be increased by an agreed percentage for your busy times of the year, and helps keep your costs down. Make sure you let your advisor know if you’d like to add this cover.
Can ATMs (Automated Teller Machines) be covered on my shop insurance?
Yes, ATMs both inside and built into the walls of your shop can be covered on this policy, please make the team aware this is something you require.
I sell products online, can this be insured too?
We can provide cover for stock sold online and exports to outside of the UK. Speak to your advisor so they can ensure they provide you with the correct policy for your needs. In addition to Products liability You will also need to consider if goods in transit insurance is needed.
get a quote by
calling our Retail Team
Telephone: 01732 252 898
or fill in your details below
and a member of the team
will be in touch.
What trades do you cover?
As an independent specialist with over 40 years experience in the industry, we have put together solutions with a range of insurers. This allows us to offer terms on the vast range of trades.
We can cater for your individual retail premises on the High Street to an entire portfolio of retail units across the country. Below are a few examples of the shops and leisure businesses we have helped in the past:
- Coffee Shops
- Takeaways and Fast foods
- Electrical Stores
- Glassware Shops
- Wine Merchants
- Carpet Shops
- DIY Stores
- Leisure Centres
So whether you own a Cafe, Clothes Shop, Take Away or Grocer we can obtain a quote that will protect your business. We are also able to cover Online Trading and Wholesale trades – please contact our team on 01732 252 898 to discuss your needs.
Clarke Williams Ltd are authorised and regulated by the Financial Conduct Authority under reference 758683. The Financial Conduct Authority’s Register can be accessed through http://www.fca.org.uk/ . We are registered in England and Wales with Companies House under number 10317065. Our registered office address is 194 High Street, Tonbridge, Kent, TN9 1BE
Clarke Williams Ltd
194 High Street
Tel: 01732 252 898
© 2017 Clarke Williams Ltd