Offering flexible shopkeeper’s insurance for all kinds of retailers and their shops, regardless of size or what you sell.
From insurance for bakeries and sandiwch bars, to florists and gift shops, our Retail Shop Insurance policy offers comprehensive cover at a competitive price.
Our Shop Insurance policy is designed to meet the needs of retailers. As well as offering comprehensive cover for your stock and contents, it also includes other essential covers such as Loss of Business Money, Loss of Income, Employers’ Liability, Public Liability and Products Liability.
As many retailers have specific insurance needs, our flexible product gives you the ability to insure what you need with a range of optional covers, including your Buildings, Loss of License, and personal accident under a single policy. Our commercial insurance brokers are on hand to assist with any queries, contact us now to find out more.
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Shop Insurance FAQs
What Covers Are Typically Included In A Shop's Insurance Package?
The core covers of shopkeeper’s insurance package are material damage and liabilities. Material damage covers items such as contents, stock and tenants improvements, whilst liabilities consist of public, products, and employer’s liability. In addition, other covers such as goods in transit, legal expenses and deterioration of stock cover can be added.
Our Business Purely Retails Online – Is A Shop Policy Suitable For Our Needs?
This depends on the insurer. Some insurers cover online retail through their retail shops insurance package, whilst some cover this under a commercial combined policy. We are able to provide the policy which best suits your needs as an online retailer, whether that is through a shop package or a commercial combined package.
Our Business Sells A Variety Of Stock – Do We Have To Declare Each Item Separately?
In the main, stock is split into two categories, general stock and target stock. Target stock is stock which insurers deem attractive to thieves, such as wines and spirits, tobacco and precious metals. General stock is any stock which does not meet the criteria of target stock.
About Us
Clarke Dove Insurance Brokers have been providing expert insurance advice on an impartial basis since 1982.
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Claims
Our experienced in-house claims team are here to help and guide you through the claim process.
See what our clients have to say about their experience with us.
People we've helped:
Mr & Mrs Serpell
If you are looking for a broker who goes the extra mile – look no further. Clarke Dove (Insurance Brokers) Ltd exceeded our expectations and accessed a new business market which meant they were able to match the challenging competition.
Mr Carby
I have used Clarke Dove Insurances for 25 years or so on a business basis and personally. I have found them to be very helpful and professional in their work. I can highly recommend them.
S Richardson
Thank you to the Clarke Dove claims team and RSA. The process of my claim was both easy and efficient. I have received the money into my account this morning. Delighted!
Amanda Foster
I cannot express how pleased I am with Clarke Dove and the level of service that was delivered when our two properties were flooded whilst I was away in Egypt. Thank you to everyone concerned, superb work.
Total Insulations
The new gates and fencing were installed at the business premises on the 8th March and they are great. Your help with our claim was invaluable and I thank you.
Steve - Alfreds Brewery
I have had the first batch back and we have deferred the second until later in January. It is probably best to stand down the insurer I think. If the bottling company were to pull out of the arrangement at this point, I imagine that it wouldn’t be worth a claim for the remaining amount. Thank you for your guidance. Your help was influential in how we successfully made the case to the bottling company.
Mrs V Rowlatt
Thanks Kevin, I have had a call from Katie since my email, what awesome service!
Mr Newman
I have used Clarke Dove’s services for over 20 years across their commercial, domestic property and personal motor divisions. Throughout this time they have remained competitive and offered a friendly, personal yet professional service.
