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What does shop insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your shop insurance package could include:
Employers’ liability insurance
If someone working for you gets ill or injured doing work on your behalf. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services. For example, slipping on a wet floor.
Product liability insurance
In case a product you have sold, manufactured, or designed injures someone or damages something
Commercial building insurance
To protect business premises you own, whether you're using it, renting it out or if a lease requires it
Business interruption insurance
Provides compensation if material damage stops your business from running normally, for example fire or flood.
Stock and contents insurance
Provides cover for stock, including food & drink supplies, against theft or damage by fire or other insured events.
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