Shop and retail insurance

Price beat guarantee

We guarantee to beat your new insurance quote or renewal premium from any other insurer.

To redeem and for full Terms & Conditions, click here.

New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply.

Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.

Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays

  • We'll cover you if you sell your products online, at home, in a shop, and on a market stall.
  • No admin fees if you need to make changes to your policy.
  • 0% APR on your monthly Direct Debit payments in the first year.

    Over 18s, subject to eligibility.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Shop and retail business insurance made for you

Whether you own a flower shop, repair bikes in a shed, sell homemade jam at a farmer's market or sell your products and services via your website, we can help you create a tailored insurance policy for your business.

We know that every enterprise is unique, and someone who sells toys isn't going to want exactly the same insurance as someone who repairs shoes. That’s why we offer customised business insurance that can be tailored to your business's needs.

There is a lot to consider when choosing the best type of insurance for your business. If you store stock, you may want to cover your goods against theft or damage at your shop or home. You are also able to cover goods being sent by post or via a courier. If you operate an online shop then insuring yourself against cyber attacks will be a high priority. Meanwhile, if you own or rent shop space, you may want to insure your business against property damage to your buildings and contents caused by fire or flood.

Our easy-to-use online quote tool helps you pick the covers that make sense for your business and add them to a single policy. Then, if your business changes later, we'll let you amend that policy without charging you admin fees. See our list of covers below.

Get a quote
or call us on 0345 605 9168

Why Direct Line for Business?

We have over 10 years of experience when it comes to insuring small businesses. That means we know exactly what you need.

  • Our quick and easy online process makes customising your Shop and Retail Insurance a breeze.
  • We can cover you whether you work from home, rent/own a shop, or sell your products online or at fairs, markets and pop-ups
  • Instant policy documents so you can download and show proof of cover to trade shows and venues.

What kind of professions do you cover?

We offer cover to thousands of UK businesses each year. Some of the industries we cover include:

  • Food retail
  • Arts and crafts
  • Clothing
  • Grocery
  • Gift and greeting card shops
  • Newsagents
  • Boutiques
  • Cake makers and decorators
Get a quote
or call us on 0345 605 9168

Confused by an insurance term? Look it up in our
jargon buster

Your cover options

Add any of the following cover options to your policy to create commercial shop insurance that fits your business needs. These covers are subject to policy conditions and limits.

  • Public and product liability

    Our Shop and Retail Insurance includes public and product liability cover, as standard, to insure the core risks associated with your business. It covers you if someone is injured on your premises, from your products, or if you damage their property. If you were to be sued on any of these grounds, public and products liability insurance would cover your costs. We can offer cover from £1 million to £10 million, subject to criteria.

    If you sell your goods at craft fairs or markets, you will often have to show proof of public liability insurance to the event organisers before you can even set up your stall.

  • Employers' liability

    Employers' liability insurance is legally required if you take on employees. You can read about the exceptions to this rule here. We offer £10 million cover as standard. This covers your legal costs if an employee gets injured or becomes ill during their time at work and takes action against your business.

  • Buildings cover

    If there is an insured event such as a flood or fire on your premises and the space becomes damaged, buildings insurance will pay for the costs of repair or rebuilding. This cover also pays for debris removal and architect fees.

    It also includes equipment breakdown (for items forming part of the building), such as a broken boiler or fire/burglar alarms, as standard. We'll cover the cost of repairing or replacing the equipment, as long as the damage is not due to wear and tear.

  • Contents and stock

    Your stock is often the core of your business, so if something happens to it, you’ll need to be able to replace it quickly. So you can insure your stock against theft and other specified damage under our policy, and, as standard, we’ll give you an extra 25% of stock cover for two months of your choosing - perfect for those busy periods.

    You can also insure your business contents like electrical items, furniture and important equipment.

    If your business requires you to travel for trade fairs and markets, you can also take out a cover which lets you insure important items on the go. For example, if your laptop was stolen while you’re working at a café, or your stock was damaged or stolen in transit, your cover would provide a replacement.

    And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

    When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

    Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays.

  • Business interruption

    It doesn't matter if you run your retail empire from the high street or your spare bedroom, if your working premises became unusable due to an insured event like a fire or flood, business interruption covers you for lost revenue and relocation costs.

    If your main suppler or customer has damage to their premises that means they can't trade, we'll cover you for the loss of business you'll suffer, up to a limit of £50,000.

    Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

  • Theft of takings

    If you sell your products or services in person, you will likely handle a lot of cash during your working day. This policy covers you in case of theft from you, your premises or anyone working for you.

  • Cyber cover

    If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

    But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways following a cyber incident:

    Recover financially

    • Covering loss of business income
    • Covering recovery costs, like fixing damage to your computer systems or data restoration
    • Covering fines (where insurable by law) and compensation costs following a data breach

    Recover your reputation

    • You get access to public relations and crisis management experts to minimise damage to your brand and business.

    Recover your systems and help prevent future incidents

    • Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

    Read more on Cyber cover here.

    Available on new and renewal policies only. For Retail and Office & Professional customers only.

  • Legal expenses

  • Personal accident

    Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

    We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

    If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

    You can choose Personal Accident as an add-on once you've completed your quote.

Get a quote
or call us on 0345 605 9168

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you’ve chosen to cover.

Below is a summary of a generic policy, from 25 October 2020 onwards, which shows the main covers and exclusions in our policies.