Shop Insurance

Every shop and business owner is different, and Oncover specialises in providing coverage that meets your individual needs.

Comprehensive Shop Insurance

There are many aspects to consider when owning or running a shop business. Whether it’s a small corner shop or a flourishing trade, the same finer details have to be taken into account and sorted to ensure that the business runs smoothly.

Examples of Shop Insurance coverage:

  • Clothes Shop Insurance
  • Supermarket, Grocers, Newsagent & Off License Insurance
  • Jewelers Insurance
  • Hairdresser & Salon Insurance
  • General Retail Insurance

Standard Shop Insurance cover will tend to insure:

  • Contents
  • Legal expenses
  • Business interruption
  • Public liability
  • Employer’s liability
  • Stock protection

Recommended Business Covers 

  • Employers’ Liability – covers injury to employees
  • Public Liability – protects in case of damage or accidental injury to members of the public
  • Product Liability –provides coverage against property damage claims from flawed business plans, equipment or manufacturing
  • Legal – covers your business’s legal defence against claims made
  • Contents – covers damage to fixtures, fittings, equipment and contents
  • Stock –provides coverage for the replacement of stock at cost price
  • Goods in Transit –this protects against damage to goods while they are being transported in business vehicles
  • Money Cover – cover for theft that occurs on your premises
  • Business Interruption –covers loss of revenue as a result of a material damage claim
  • Portable Equipment –covers equipment such as laptops, mobile phones, and cameras
  • Glass – cover that replaces external or internal glass

Optional Extras

  • Buildings –covers your office building against a range of risks, including fire, flooding and storm damage
  • Theft by Employees – covers any loss of money or property belonging to you as a result of fraud or dishonesty by an employee
  • Computer Breakdown– covers your equipment and damage to computer records
  • Terrorism –covers material damage and business interruption

You May Also Be Interested In:

  • Cyber Protection –covers in the event of a breach of data protection laws or malicious data attack

Contact us today for more information on any of our policies and a free quote.


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