Shop & Retail Insurance
Loading
quote me
callback
FAQ's

retail insuranceAt  Coversure we have a large range of retail insurance packages from major insurance companies for shops and retailers, so what ever you sell, we'll be able to find a package for you, and with our vast  experience we can advise on the pro's and con's of the various packages available to your particular trade. In general, most retail insurance packages include the same types of insurance, with varying levels of cover and optional add-ons, offered along the following lines:

Retail insurance packages are usually very good value, though it is possible to buy many of the covers separately, buying them in a combined retail insurance package is usually a far cheaper way of doing it, even if you only require a couple of different covers. If your trade is a little more specialised, with our expertise, we can quickly advise you which insurance companies are likely to be able to provide a retail insurance package suitable for your needs and obtain a competitive price. In the unlikely event there isn't a retail insurance package suitable for you, we also have several insurers who provide bespoke commercial combined  insurance policies. This means you can pick and choose which covers you want, and how much cover you want, so the end result is a package that suits you.

FAQ's

What is deterioration of stock cover?

In the catering industry, you may well have a large amount of food stock, so if your fridge or freezer breaks down or there is a powercut, a large amount of your stock would become unuseable and therefore worthless. Deterioration of stock would cover you in this event. Some policies specify the refridgeration equipment must be below a certain age for breakdown cover.

What is Loss of Licence cover?

Loss of licence cover is for licenced trades, such as pubs, hotels and cafes etc. It covers the loss of profit and/or expenses incurred should your business lose its licence to sell alcohol. Some insurers will include this as standard on their products, and others may offer it as an optional extra with a choice of cover level at an additional cost.

What is fidelity cover?

Fidelity cover provides protection in the event you suffer a loss due to a theft or dishonest activity committed by one of your own staff.

What is a 5 lever mortice lock?

A 5 lever mortice lock is a standard type of lock that deadlocks, (unlike a yale lock that operates on a catch). Click here for a more in depth explanation and a picture of this type of lock and key.

Do you cover tattoo and bodyart shops?

Yes we do, click here for details.

What trades do you cover?

We cover most retail trades. If you want to check if we can provide a package for you, click here for our retail trade list. If your type of shop is not listed, call us, as we can set up a commercial combined quote for you instead.

Do you offer Treament Risk cover?

On certain trade, yes - click here for details.