Public Liability Cover
Covers compensation costs and legal fees if a member of the public – like a customer, delivery driver, or supplier – is accidentally injured or has their property damaged on your premises.
Example for shop owners: A customer trips over a misplaced display crate near your checkout counter, falls, and breaks their wrist, resulting in a compensation claim.
Tools and Materials Cover
If your inventory is stolen during a break-ins, or your shelves, till systems, and display units are ruined by a water leak, this cover funds quick replacements so you can reopen without losing momentum.
Example for shop owners: A burst pipe overnight floods your stockroom, destroying thousands of pounds worth of seasonal clothing inventory right before a major holiday weekend.
Goods in Transit Insurance
Protects your retail stock while it is being moved. If you are transporting inventory from a wholesale supplier, fetching items from a storage unit, or delivering goods directly to local customers, this cover protects your cargo against theft or transit damage.
Example for shop owners: Your vehicle is broken into while parked outside a wholesale depot, and a newly purchased batch of high-value electronics is stolen from the boot.
Employers’ Liability Cover
If you employ anyone to help run your shop – including full-time managers, part-time weekend assistants, temporary seasonal staff, or apprentices – you are legally required to have this in the UK. Failing to hold it can land you a statutory fine of £2,500 per day. If you run your shop completely on your own, you can skip this cover.
