Retail Insurance Broker | UK Online

Compare get indemnity™ retail insurance quotes from the wholesale market and save money

Get indemnity™ retail insurance

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Retail insurance or shop insurance quotes start from £365 per year or £30.42 per month.
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Tailor your retail insurance to meet the needs of your individual business.
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Upload your current policy documentation and compare retail insurance quotes.
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Benchmark your retail insurance cost against quotes from the wholesale market.

Retail insurance includes variety of covers designed for both retail shops and online stores

Retailers operate in an increasingly difficult environment with a variety of threats. Whether your business sells on the high street or online, we can identify a range of retail insurance solutions from the wholesale market. 

At get indemnity™ retail insurance quotes start at £365 annually or £30.42 monthly. Below provide some background about the covers available and explain how retail insurance can provide proection your business needs.


    Get indemnity™ retail insurance

    Ensure your business continues to purchase the most appropriate retail insurance at the most affordable cost because retail shops are exposed to a number of liability and property damage risks. 

    If an unexpected event occurs, being able to rely on your retail insurance can make all the difference. To understand your exposure we've produce a useful guide: Product Liability Risk Management Explained 1O1

    To discuss your requirements speak with our get indemnity™ retail insurance team. Below we identify what retail insurance is available and what your business should consider when choosing the most appropriate cover.


    What is retail insurance?

    Retail insurance provide comprehensive solutions designed to meet the needs of a wide variety of businesses ranging from florists, hairdressers, craft or clothing shops.

    The business insurance has been designed to mitigate financial risks and protect your retail shop or online store from unforeseen events.

    As a digital insurance broker, we have the expertise and market access to identify a range of retail insurance solutions for a business of any size.


    Who needs retail insurance?

    The below are just some of the retail activities that we can assist in identifying the most appropriate retail insurance:

    Antique Retailers, Art Galleries, Bakeries, Bathroom Stores, Beauty Salons, Butchers, Bridal Retailers, Charity Shops, Clothing Retailers, Coffee Shops, Convenience Stores, Craft Shops, Cycle Retailers, Delicatessens, Dry Cleaners, Electrical Retailers, Florists, Furniture Retailers, Garden Centre, Gift Shops, Green Grocers, Hairdressers, Homeware Stores, Kitchen Stores, Luggage Retailers, Newsagents, Off Licences, Pet Shops, Specialty Shops, Sports Retailers.

    Our product liability insurance guide offers a useful insight into your potential liabilities from selling products whether on the high street or online. Every retailer is different and will need to consider their own circumstances when deciding which insurance best meets their needs.

    At get indemnity our customers can achieve cost savings on their retail insurance by comparing their existing insurance against quotes from the wholesale market.

    Upload your current retail insurance policy via our online application and we can identify any specific amendments designed for your business.


    What liability and property risks is my shop exposed?

    Retailers are exposed to a number of property and business liability risks. It is important to ensure you have adequate retail insurance should the worst happen.

    Commercial combined insurance is a commonly purchased product because it provides a range of covers under a package policy. However specific consideration should also be made to management liability insurance.

    Please note that product liability insurance is designed to protect your business should something unexpected occur, not to provide protection against purchasing products from dubious sources.

    If you would like to investigate product recall insurance, please contact us on 0345 625 0711 and we can discuss your options.


    What if we sell our goods online?

    As a specialist retail insurance broker, we understand the unique challenges online business face, from stock control to evolving threats from cyber crime.

    With retailers becoming increasingly reliant on technology, consideration should be given to risks such as security and privacy breaches. What would happen in the event a cyber attack removed your ability to transact online and stole customer information?

    Cyber insurance is becoming increasingly important to protect against liabilities, loss of profits, as well as providing access to specialists to mitigate the cost.


    How to compare retail insurance quotes?

    Our online application provides a simple platform to present your risk information to a number of specialist retail insurers. Your no-obligation retail insurance quotes can typically be offered within 48 hours.

    The online process has been designed with our customers in mind, only recording material information to promote competition. Your retail insurance cost will depend on a number of factors, typically the size of your business measured by turnover and employee numbers.

    Compare your business insurance with get indemnity and see how much money you can save.


    Types of retail insurance explained:

    Retail insurance can protect you against a range of liabilities such as customer slips and falls, property damage, theft, and employee injuries.

    The below guide identifies scenarios your company may face and the business insurance available to provide support and protection.

    What would happen if… Retail Insurance: What the coverage does:
    A product that your company manufactures or sells causes injury to a customer and they claim for financial compensation.

    > Product Liability

    > Commercial Combined

    Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement.

    A customer slips over on a wet floor and claims compensation after causing a serious injury.

    > Public Liability

    > Commercial Combined

    Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement.

    An employee is seriously injured at work and claims compensation after using defective equipment.

    > Employers Liability

    > Commercial Combined

    Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement.
    Your business premises and stock were destroyed as a result of a fire.

    > Property Damage

    > Commercial Combined

    Protects your company’s buildings and contents (including options for stock) against loss or damage from a range of insured perils.
    Your business was unable to trade as a result of a flood.

    > Business Interruption

    > Commercial Combined

    Protects against the loss of income from being unable to trade as a result of a range of insured perils.
    Your business is facing insolvency and creditors pursue legal action against the directors.

    > Directors and Officers

    > Management Liability

    Protects the directors against legal costs incurred in defending the allegation; and damages from any award or settlement.
    Your business receives a demand for financial damages after an alleged copyright infringement.

    > Corporate Legal

    > Management Liability

    Protects the company against legal costs incurred in defending the allegation.
    You identify an employee has been stealing thousands of pounds of stock over the last few years.

    > Crime Insurance

    > Management Liability

    Protects the company against financial loss from the theft of property, money or securities by an employee.

    A problematic employee claims unfair dismissal and workplace harassment

    > EPL Insurance

    > Management Liability

    Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement.

    A hacker breaches your electronic security and steals thousands of your customer's details.

    > Cyber Insurance

    Protects the company against financial loss arising from security and privacy breaches. Can include first and third-party losses.
    A criminal pretending to be a supplier reports their bank account has changed and payment is made to the wrong person.

    > Social Engineering

    > Crime Insurance

    Protects against the loss of income from being unable to trade as a result damage from a range of insured perils.
     

    Additional protection for retailers is available, fleet insurance and health insurance are just two commonly purchased insurance covers.


    Compare retail insurance online


    This guide is for information purposes and based on sources which we believe are reliable, the general risk management and insurance information is not intended to be taken as advice with respect to any individual circumstance and cannot be relied upon as such.