Shop Insurance
Owning a shop requires you to be extremely organised and have a keen grasp of budgeting and customer service. All of this requires a lot of time and effort, so shop owners often struggle to find the time to search for cheap shop insurance. However, here at Nova Insurance, we make things easy: we ask our customers to fill out one simple form and then find the most competitive prices.
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What is Shop Insurance?
Here at Nova Insurance, we also understand that the high street is currently going through a tough time, which means that shop owners need insurance policies that not only protect them but are flexible and beneficial to their businesses. For example, many of our customers choose not to pay the full annual amount for their insurance straight away, instead paying smaller monthly instalments that are more in line with their budgets.
If you are looking for a tailored insurance product for your shop, make sure you see how competitive and beneficial our products can be for your business. No matter whether you own a restaurant, clothing store, or charity shop, it only takes a couple of minutes, so you have nothing to lose except for expensive insurance premiums!
Bakers & Bakeries
Bakers & Bakeries
Being a baker isn’t easy: you have to be up at the crack of dawn every day and keep an eye on multiple processes all at the same time. Bakeries are a firm favourite on the UK high street; however, over the years, many have struggled to handle economic changes.
Florist
Florist
As a florist, you need a true passion for what you do and the ability to offer excellent customer service at all times. One of the biggest difficulties associated with being a florist is providing exactly what your clients require time and again, meaning you may have to work late nights and even weekends.
Gift Shop
Gift Shop
Here at Nova Insurance, we understand that every gift shop is different, as they offer hundreds of varied and unique products. Whether you have one store or ten, Nova Insurance has the expertise and knowledge to help you find a policy that’s perfect for you.
Grocers
Grocers
Whether you own a small grocery shop or are in charge of a well-known supermarket, Nova Insurance can help you find the right level of cover. Grocer’s insurance is created specifically with grocers in mind, meaning that it will protect you during all your day-to-day tasks. Furthermore, it can protect your employees if they ever encounter any issues at work.
Off Licence
Off Licence
Running an off-licence can sometimes be dangerous, as unfortunately, they are often targeted by thieves, burglars and those to whom you are not legally allowed to sell alcohol. Therefore, it is of the utmost importance that all off-licence owners protect themselves and their businesses with security systems and extensive off-licence insurance.
Pet Shop
Pet Shop
Most animal lovers think there couldn’t be anything better than running a pet shop. If this is what you do for a living, you know that it comes with its own stresses! Even though working with pets can be extremely rewarding – especially when you find them a new home – you still need to protect your business from common issues.
Tattoo Parlours
Tattoo Parlours
Getting the best deal on your tattoo shop insurance means not only obtaining the best price from a range of insurance companies but also making sure that the cover is right for you. Our online curios shop insurance services offer you access to great deals on retailers from our leading retail insurance providers and insurers.
Different Shops. Different Needs
While Nova Insurance specialises in comprehensive retail business protection, certain commercial sectors consistently feature in our client portfolio. Clothing retailers represent a significant segment with unique insurance requirements that extend beyond standard commercial coverage. These businesses face distinctive challenges, particularly concerning inventory protection and potential stock replacement in various damage scenarios.
Apparel businesses face nuanced insurance needs that differ from those of other retail sectors. For instance, clothing stores might require complete stock replacement, unlike retailers selling less sensitive merchandise. This vulnerability necessitates specialised insurance solutions that comprehensively address potential risks.
Our insurance packages cater to diverse clothing retail segments, encompassing a wide range of specialised stores. From elegant bridal boutiques and contemporary menswear establishments to children’s clothing shops, leisurewear outlets, high street fashion retailers, school uniform suppliers, and specialised knitwear stores, we offer tailored insurance solutions designed to protect their specific business needs.
The intricate nature of clothing retail insurance demands a sophisticated approach. Recognising the unique vulnerabilities of textile-based businesses, our policies are crafted to provide robust protection against financial losses from accidents, fire, flooding, and other unexpected events that could compromise valuable inventory.
Get a QuoteWhy Nova Insurance for shop insurance?
We have a UK-based call centre that is available 6 days a week to take your call. The experienced team can guide you through the process of getting a shop insurance quotation, offering relevant advice and assistance throughout the quote.
Calls are completely free, as we use 0800 numbers. However, you can request a callback, and we will call you back at a time that’s convenient for you. Ready for a quote? Simply complete the form, and we will call you back. Alternatively, you can contact us.
Trusted by Thousands
Over 27,000 clients rely on Nova Insurance to protect their businesses with reliable and specialist insurance solutions
Instant Cover and Documentation
Get immediate cover when you need it, with policy documents issued directly to your email within minutes.
Over 30 Years of Experience
With more than 30 years of experience, we specialise in insuring self-employed professionals, freelancers, contractors, and small business owners.
Shop Insurance Frequently Asked Questions
Here are some frequently asked questions that you may find useful to review before getting a shop insurance quote. Don’t forget, our knowledgeable and friendly UK-based team are on hand for any questions you may have.
How can I pay for my shop insurance policy?
You can pay for any of our policies using all major credit and debit cards, finance or bank transfer (BACS)
What insurance do you need for a shop?
A shop has three key or important aspects that any good insurance policy should include. Those three things are: firstly, your premises and stock (buildings and contents insurance); secondly, your customers (public liability insurance); and thirdly, protection of outgoing costs should you have to stop trading (business interruption insurance).
Why Nova Insurance?
Our shop insurance is extremely comprehensive, meaning you are protected against a wide range of damages and various forms of liability. Add to this our competitive prices and excellent customer service, and you can see why so many customers choose to use Nova Insurance time and time again. We have also been in the insurance industry for over 18 years, so you will not only have our products on your side but also our experience. If you would like any more information about our shop insurance policies, then call 0800 083 1566 and one of our advisers will be happy to help!
Can my policy cover my employees?
We strongly suggest that all our customers include public liability and employers’ liability cover in their policies. If one of your employees has an accident at work, they could hold you responsible. Shop owners can’t keep an eye on their staff at all times, especially in a fast-paced industry where accidents do happen. Even if these accidents aren’t your fault, you may have to argue your case in court, and our shop insurance can cover the cost of legal fees.
How expensive will my premiums be?
Like all types of insurance, the cost of your shop insurance will depend on the amount of risk you pose, which can include where you are situated and the type of services you offer. It’s important to make sure your business is protected not only when it is open but also when it’s closed. If it is in a busy area, it may be a more tempting target for thieves. Our policies can protect your shop from damage caused by attempted thefts or electrical faults, so when you close up each night, you can switch off too!
How can shop insurance protect me?
For your business to thrive, you will need a large number of customers to visit your shop regularly. However, if you have a particularly busy business, you will find that wear and tear on your property occurs more often, and that your customers will also accidentally damage your goods. Even though it is a customer’s responsibility to pay for damaged goods, you don’t always find out about it until it’s too late, which is where your shop insurance can help.