Shop Insurance

Anyone who runs a shop whether it's a street-corner Butcher or a Florist every type of business is at risk of theft, fire, vandalism, personal assault, compensation claims. A freezer could break down and thousands of pounds worth of stock could be destroyed overnight. A burst drain or water main could stop customers reaching your store or cause damage to your goods.

A Shop policy provided by Park Insurance will cover you for all these risks and more, and include free advice lines and emergency assistance with legal advisors and such essential tradesmen as glazers, locksmiths, refrigeration engineers, plumbers etc available at short notice.

The building you own needs to be covered against damage or destruction by fire, flood, malicious damage etc., any goods you have in transit could also be stolen, damaged or lost in an accident.

Fortunately there are specialist insurance policies that have been designed specifically for retailers so that you can cover all conceivable risks with one policy.

Our Policies Will Include the Following:

Public liability insurance

Public liability insurance is essential cover for any business that comes into regular contact with clients or members of the public. If your business operations were to injure a member of the public or damage their property in some way, public liability insurance would cover you in the event of a claim being made against you.

Employers’ liability insurance

If you have employees working for you, you are legally obliged to have employers’ liability insurance. Every business in the UK that employs staff, regardless of size or turnover, is required to have at least £5 million of employers’ liability cover in place.

Shop building insurance

If you own or are responsible for insuring your retail premises, this optional add-on will cover you should your building become damaged as a result of fire, flood, theft or other such risks.

Shop stock and contents

Stock and contents insurance insures you against the same risks as building insurance, but for your stock, equipment, fittings etc.

Business interruption

If your business had to stop trading due to an unexpected occurrence such as a fire, flood or theft, business interruption would cover you for any income lost and additional expenditure spent during this period.

Money cover

This covers your business if cash is stolen on your premises. It is important to note that ‘money cover’ does not just insure cash, but stamps, postal orders, gift tokens and vouchers too.

Optional Covers Available