Shop & Retail Insurance

Tailored shop insurance policies

Our retail shop insurance policies are tailored for a wide range of businesses, from florists to salons, fashion retailers through to grocers and corner shops.

Insurance policies typically include

Liability Insurance

Employers', Public and Products Liability Insurance

Buildings Insurance

Buildings Insurance including: outbuildings, walls, gates and fences

Contents Insurance

Including fixtures & fittings, machines & equipment and decorations

Trade Stock

Trade Stock, including: goods in trust, work in progress and finished goods


Goods in Transit Insurance


Money held on premises


Business Interruption


Personal Injury by assault

Insurance for shops and retail establishments

For any retail outlet that deals with the general public, insurance is a legal necessity. Furthermore, a comprehensive insurance policy protects your business against unforeseen circumstances, giving peace of mind that the company is protected.

At Arkwright, we have access to a wide range of insurers, which means that we can offer a broad and flexible range of retail shop insurance products to accommodate the requirements of all types of retail businesses. Insurance for a shop must incorporate a range of policies to cover various aspects of the trade and this differs from business to business. For this reason, we prefer to speak directly to our customers in order to construct bespoke commercial shop insurance packages that are best suited to their businesses needs and to offer the best possible value for money.

If you are a retailer who owns a shop, a take away or any self-owned businesses it is necessary to have your legal aspects sorted out to benefit completely from your business. The importance would be placed on choosing the correct insurance that suits you and your business. This would highly be efficient in regard to running a productive and efficient business.

What should you consider when you choose a shop policy in the UK?

  • Damage cost evaluation if someone is injured within your premises, maybe a customer or bystander
  • Employers’ liability insurance that safeguards and protects employers who are injured during the work time and while at the shop.
  • To protect your shop from losses caused by robbery and fraud and dishonest activities from employees

Retail Shop insurance may include

An injury may occur to a customer due to some unavoidable reason of negligence or other accidental factors while they are in your shop. This may make you responsible to compensate them for their injury. Without an insurance you may run into difficulties financially if you are to fund it by yourself. This is why this option will help you immensely and support you and unburden you of the responsibility.

This is a total backup plan to keep you and your business safe. In case of an accidental incident your hard work may be totally blown away or destroyed. This gives you an immense opportunity to secure what you need to do in order to sustain your business. Many insurers tailor make it for your convenience in accordance to the size of the business and investor scheme.

This covers in the series of serious illness, accidents and fatalities during work. It would pay the beneficiary or the individual that would cover complete costs of medical bills. Many who work in high risk jobs usually take up this insurance.

No matter how well organised and well planned you maybe accidents do happen when you manufacture or sell products online. It is important to be protected as a quick quality control measure like insurance policy.

This clearly states what it means. Storing your valuable products in the business premises make it vulnerable for stealing or getting damaged, either ways being protected would be the ideal option for safeguarding your money and being financial stable even during that crisis.

This is also done according to your business income revenue and preferences. It depends on the employer to choose the necessities.

For entrepreneurs who do various business online this is an ideal option of ecommerce insurance policies. In regards to keeping the difference in online businesses and outdoor business it has been specially crafted to meet the specific needs.

This covers all aspects of the shop insurance. It is a full package providence with a premium fee attached.