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What is Shop Insurance?
Shop insurance is a type of business insurance designed to protect retail businesses from financial losses due to various risks. It provides coverage for property damage, theft, liability claims, and business interruptions, ensuring that shop owners can continue operations even in the face of unforeseen events. This insurance is crucial for safeguarding both physical assets and financial stability, offering peace of mind to business owners. Policies can be tailored to suit different types of retail businesses, ensuring comprehensive protection against common industry risks.
- This Insurance Typically Covers:
- Property damage - Covers repairs or replacements if your shop is damaged by unexpected events like fires, storms, or vandalism.
- Theft and burglary - Protects against financial losses from stolen goods, broken windows, or forced entry.
- Public and product liability - Covers legal costs and compensation if a customer is injured in your shop or due to a faulty product you sell.
- Business interruption - Provides financial support if your shop is forced to close temporarily due to an insured event, covering lost income and fixed expenses.
- Employee-related risks - Covers medical expenses and lost wages if an employee is injured while working.
Why Choose Commercial Property Cover?
At Commercial Property Cover, we understand the unique risks of running a shop. Our tailored policies provide the protection you need, so you can focus on serving your customers with peace of mind.
Our 4 Step Process
For Getting Your Shop Insurance
1: Get a quote
Fill out a free quote with your business details.
2: Review Options
Compare personalised coverage plans.
3: Consult an Expert
Speak with a specialist to clarify any questions.
4: Get Covered
Finalise your policy and secure your property.
Running A Shop? Protect It.
GET TAILORED SHOP INSURANCE WITH COMMERCIAL PROPERTY COVER:
🔒 Peace of mind.
📞 Expert advice.
📋 Fast quotes.
🔒 Peace of mind.
📞 Expert advice.
📋 Fast quotes.
Frequently Asked Questions
What does Shop Insurance cover?
Our Shop Insurance protects your shop’s premises, equipment, and fixtures from risks such as fire, storms, theft, vandalism, and accidental damage. We also offer optional add-ons like glass breakage and tenant damage cover.
Is Shop Insurance legally required?
While not legally mandatory, many landlords and lenders require it as part of lease or mortgage agreements. Even if not required, having the right cover ensures you’re protected from unexpected financial loss.
How much coverage does my Shop need?
The right level of cover depends on the value of your shop’s building, fit-out, and equipment, as well as the risks specific to your location. Our experts can assess your needs and tailor a policy to ensure full protection.
Does Shop Insurance cover loss of income?
Standard building insurance doesn’t cover lost income, but we can look at options if required.Â
Can I insure multiple Shops under one policy?
Yes! If you own multiple shop locations, we can provide multi-property coverage under a single policy, making it easier to manage and potentially reducing costs.
