Business insurance for Shops and retailers

Insurance can help to protect a shop or retail business against a range of potential risks. With the right policy in place, your business can gain cover for everything from theft to a flooded premises.  

You’re proud of your retail business but, no matter how careful you are, there are some things you can’t control.

Tailored insurance helps you to focus on doing what you do, whether you specialise in selling pet food online, run a sustainable grocery store or a blooming garden centre.  



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Shops that Hiscox covers

Pet shops

Your pet shop might sell furry friends, fish, or reptilian companions – plus the products they need to stay happy and healthy. This type of environment can come with risks for customers and employees, so liability insurance may come in handy for pet retail businesses. Contents insurance could also help financially if a fire, flood, or act of theft damages your stock of reptile lamps, for example.

Learn more about pet shop insurance


Even working as a florist isn’t always sunshine and daisies. If a customer slips on spilt flower food and chips their tooth, they might try to claim under your public liability insurance for damages if the wet floor wasn’t correctly signposted. Building employers’ liability into your shop insurance can help if the injured party is a member of staff. 

Learn more about florists' insurance

Online retailers

Online shops may not welcome face-to-face customers, but they still interact with couriers, suppliers, and designers – so public liability insurance may be relevant. Incorporating cyber and data cover into your retail insurance can also help put things right after exposure to digital risks - from phishing attacks that might bring down your online store to data breaches. 

Learn more about online retail insurance


Stock is everything to a grocer, so insurance for the contents inside your shop could be beneficial if an unexpected event – such as a fire – was to ruin your fruit and veg. Grocers might also tailor their retail insurance to include cover for owned premises, and, if a customer slips on a banana skin, public liability might offer protection.

Learn more about grocer shop insurance


A butcher shop is a place where the community comes together, which can bring risks as well as sales. Tailoring cover to include public liability insurance may help if someone is injured on site. Contents and equipment breakdown insurance may also help to safeguard your butcher shop against the cost of replacing key equipment.

Learn more about butcher shop insurance

Food businesses

Supplying food comes with a specific set of risks – whether you distribute easy meal kits or freshly baked cookies. Tailored retail insurance, built to include product liability cover, could help your food business if someone takes legal action over food poisoning or an allergic reaction.

Learn more about food business insurance

Garden centres

A garden centre or nursery can be big or small – either way, theft or a storm could impact your stock, and accidents could strike out of the blue. Tailored insurance can help you run your garden centre with confidence and peace of mind.

Learn more about garden centre insurance

Jewellery designers

Designing and selling jewellery is an art – when you also sell these goods, business insurance can help counter key retail risks. This might include possible accidents at markets or in your own retail space or the possibility that your carefully crafted necklaces could cause cuts or an allergic reaction.

Learn more about jewellery designers' insurance

Travel agents

A travel agent shop is an upbeat environment – few things put smiles on faces like planning a getaway – but risks are present too. Public liability insurance could step in if a visitor becomes injured on your premises, while commercial property cover for buildings insures the bricks and mortar. 

Learn more about travel agents' insurance

Key types of insurance for shops

Shop insurance from Hiscox is tailored to your niche, so the exact covers available will vary depending on the type of retail business you run. Get a quote or contact us to find out what’s available to you.

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