A customer slips on a freshly mopped floor and breaks an ankle. The claim comes to £18,000.
Covered by Public Liability
Insurance for retail and e-commerce.
What one bad day on the shop floor can cost.
The risks that come with selling to the public, and the cover that pays.
Thieves force the back door overnight and clear the stockroom. Replacing the stock costs £16,000.
Covered by Business Contents
A heater you sold overheats in a customer's home and damages the room. The claim against you comes to £7,500.
Covered by Products Liability
Illustrative examples. Cover depends on the package and limits you choose.
Three steps. No long phone calls.
Getting covered shouldn't be a project. Start to finish, it's all online.
- 1.
Get your price
A few quick questions and your quote's on screen.
- 2.
Buy and you're covered
Pay online and your cover goes live straight away.
- 3.
Manage it all in one place
Documents, claims and renewals, one simple dashboard.
Backed by
The insurers and partners behind your cover.
Cover built for selling.
A retailer carries risk in three places: the shop floor, the stockroom and every product that goes out of the door.
The public walks in every day
A trip, a falling display, a wet floor. Public Liability pays the claim when a customer is hurt or their property is damaged on your premises.
Stock is money sitting still
Business Contents covers the stock, fittings and equipment at your premises against theft, fire and damage, so a break-in doesn't empty the till for months.
What you sell can come back to you
Products Liability answers a claim that something you sold caused injury or damage, in store or shipped. Employers' Liability is required by law the day you take on staff.
The policies that matter most
The core modules for shops and online sellers. Products Liability sits alongside Public Liability when you sell goods on.
Get instant insurance- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
- Business ContentsYour business equipment, stock and contents — loss, theft, damage.
- Employers' LiabilityRequired by law once you employ staff. Claims from employees who are injured or fall ill because of their work.
- CyberA data breach, ransomware or account takeover — incident response, recovery and liability.
Who this covers.
Shops, online sellers and wholesalers we cover. If yours isn't here, search for it when you start a quote.
Online and mail order retailers
Selling goods online and shipping them to customers.
Clothing and footwear shops
Selling clothes, shoes and accessories to the public.
Clothing wholesalers
Supplying clothing in bulk to shops and other retailers.
Gift shops
Selling cards, gifts, homeware and souvenirs.
Furniture shops
Selling furniture for the home and office.
Electrical and white goods retailers
Selling TVs, appliances and electrical goods for the home.
Mobile phone and computer shops
Selling phones, computers, tablets and accessories.
Jewellers and watch retailers
Selling jewellery and watches to the public.
Jewellery and watch wholesalers
Supplying jewellery and watches in bulk to retailers.
Hardware shops
Selling tools, DIY supplies and household hardware.
Booksellers and newsagents
Selling books, newspapers, magazines and cards.
Beauty product retailers
Selling skincare, cosmetics and beauty products.
Stationers
Selling paper, office supplies and stationery.
Arts and crafts shops
Selling art materials and craft supplies.
Online and mail order retailers
Selling goods online and shipping them to customers.
Clothing and footwear shops
Selling clothes, shoes and accessories to the public.
Clothing wholesalers
Supplying clothing in bulk to shops and other retailers.
Gift shops
Selling cards, gifts, homeware and souvenirs.
Furniture shops
Selling furniture for the home and office.
Electrical and white goods retailers
Selling TVs, appliances and electrical goods for the home.
Mobile phone and computer shops
Selling phones, computers, tablets and accessories.
Jewellers and watch retailers
Selling jewellery and watches to the public.
Jewellery and watch wholesalers
Supplying jewellery and watches in bulk to retailers.
Hardware shops
Selling tools, DIY supplies and household hardware.
Booksellers and newsagents
Selling books, newspapers, magazines and cards.
Beauty product retailers
Selling skincare, cosmetics and beauty products.
Stationers
Selling paper, office supplies and stationery.
Arts and crafts shops
Selling art materials and craft supplies.
More than a policy
A dispute or a tax enquiry tends to land when you've least got time for it. Add Legal Expenses and you've got experts on the phone, and if you ever do need to claim, we get your notification straight to the specialist team appointed to handle it, and they take it from there, so a bad day doesn't derail the business.
Legal cover when disputes hit
- Employment & tribunal disputes
- HMRC tax & VAT enquiries
- Contract & debt recovery
- Crisis communications & PR
Experts on the phone
- 24/7 legal advice line
- Tax & VAT advice, weekday hours
- Confidential counselling, 24/7
Questions, answered.
Public Liability for customers, Business Contents for stock and fittings, and Products Liability if you sell goods on. Employers' Liability comes in the moment you employ anyone, Saturday staff included.
Yes, with Business Contents. It covers the stock, fixtures and equipment at your premises against theft, fire and damage, up to the sums you set when you buy.
Often, yes. A customer hurt by a product can bring a claim against the shop that sold it, especially when the maker is abroad or no longer trading. It is added alongside Public Liability.
For most shops and online sellers, yes. The questions take a few minutes, the price appears on screen and you can buy there and then, with your documents emailed to you.
Your cover is arranged with Kovrilo, a UK MGA backed by Mission.
Yes. We're an Appointed Representative of Stubben Edge (Risk) Limited, regulated by the Financial Conduct Authority (FRN 943286).