This website uses cookies. By using this website you accept our cookie policy.
Click here to close this message.

Shop and Retail insurance

Protect your retail business with a wide range of standard and optional covers from a panel of major UK insurers.

4.8/5 rating - read our reviews
Tailor your cover with flexible benefits and generous limits
Choose from a panel of major insurers so you know you’re in safe hands

Product Features

Cover for upto £10mPublic and Products Liability insurance cover for damage to customer’s property or injury to visitors to your premises

Including 100 Days temp coverEmployers’ Liability is designed to protect you against claims for death and injury of your employees

Personal Accident cover up to £500 per dayBusiness Interruption cover helps you get back on your feet if you’re unable to trade due to an insured event. Can include lost income cover

Personal Accident cover up to £500 per dayInsure your Stock against a range of risks, which can include an automatic seasonal cover boost

Personal Accident cover up to £500 per dayContents cover protects your equipment and workplace property (not Building), against damage

Personal Accident cover up to £500 per dayMoney cover protects money that is stolen from your premises, your home or while on the way to being banked

Why Choose Us?

Leading construction insurersWe work with a panel of major insurers to search the market for the cover that’s right for you

Competitive coverOver 30 years trading, so you can be sure we’ll be here if you need us

support from our experienced UK staffBuy online or over the phone – whichever suits you best

support from our experienced UK staffUK based team, with friendly and helpful staff ready to help you

support from our experienced UK staffObtain your documents electronically

support from our experienced UK staffWe’re not just about tradespeople – we offer over 20 products to a wide range of businesses and individuals

feefo stars
Provided by
feefo logo

Shop Insurance

Our Shop Insurance comparison service is designed to help independent high street retailers. If you sell finished goods (stock) or provide a service from a high street outlet, we want to help you find cover that suits your business. We offer insurance for a wide range of shop types, from DIY shops, to Florists, to Tiling suppliers and many more besides.

Comprehensive cover

Our panel of insurers offers a broad range of cover that includes Stock, Contents, Business Interruption, and more besides, meaning that in the event that the worst happens, you should be covered. All the policies we offer include Public & Products Liability, Employers’ Liability, Stock, Money, Business Interruption, and Contents as standard.

Optional cover

Different retail businesses have different needs – that’s a fact. That’s why our panel offers a wide range of optional covers. If you own your premises, Buildings insurance is available as an add-on cover across our panel. There’s also a wide range of optional extensions including Goods in Transit, Personal Accident (Assault), Legal Expenses, and Loss of Income. Unless your needs are truly exceptional, we’re confident that we will be able to find you an insurance solution for your shop needs.

Compare cover

By entering your details into our website, we can find you a range of prices from some of the country’s largest and best known insurers, and you can select the one that best fits your needs. Having selected your preferred product, you can tailor your policy, adding and removing cover, and setting limits that best meet your needs.

Flexibility and choice

Your shop insurance should fit around your business and work to your schedule. You can insure against a wide range of events, and choose the cover that meets your individual business and attitude to risk.

Who we insure

Our panel offers cover suitable for a wide range of shops, whether these are on the high street, or located within shopping centres.

A wide range of cover

Our panel of insurers offers a range of automatically included and optionally available covers, which we believe offers the protection required for the vast majority of small to medium sized shops in the UK. The table below includes just a few of the available covers from our insurers.


Public & Products Liability




Employers Liability


Goods in Transit




Glass & Signage




Loss of license


Business Interruption


No Claim Discount




Legal Expenses


Personal Accident (Assault)




Seasonal Increase


Chilled / Frozen Food


Employee Theft


Get a quote

To compare prices for Shop Insurance from a range of major insurers, click Get a quote, and we’ll do the leg-work for you. If you’d rather discuss your requirements, you can request a Call Back, or talk to one of our friendly team today on 08000 280 380. We’re here to take your call from 08:00 to 20:00 Monday-Thursday, and 08:00 to 18:30 Friday.

Retrieve a quote

If you’ve already got a Shop Insurance quote, you should have received an email with a link that allows you to retrieve your quote. If you don’t have this email to hand, you can Retrieve Your Quote here.


We search a panel of major UK insurers who offer specialist shop insurance policies so you don’t have to scour the market – saving you time.


Our FAQs are designed to answer some of the questions you may have about our Shop Insurance cover. Click here for more information.


Looking for Home insurance too? Let us do the leg-work and help you find a policy that suits your needs Find out more.

Why choose Trade Direct Insurance

We insure over 40,000 businesses from individuals to medium sized businesses
We’ve been in business for over 30 years, so we have ample experience
Buy online or over the phone – whichever you prefer
Policies that can be tailored to your specific business needs
UK based call centre, on hand to help if you need us
Option to pay via installments (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2016

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards 2016.

On The Tools is the largest online construction community in the UK, and we couldn’t be prouder to support and provide cover for their community of tradespeople.

OnTheTools Awards logo