Your premises and the things inside
Tell us who is responsible for insuring the building and what stock, fixtures, equipment and contents you need to protect. We can discuss available cover and any security or occupancy conditions.
← Back to PortwoodRETAIL & SHOP INSURANCE
Shop insurance. Personal attention for your business.
Your shop’s insurance should reflect what you sell, where you trade and the people who keep the business running. Portwood helps retailers across England, Scotland, Wales and Northern Ireland review suitable insurance options.
Established 1963 · Independent brokers · FCA firm reference 300694
Customers, staff and interrupted trading
Public liability, employers’ liability and business interruption may form part of a suitable shop package. Each section has its own limits, exclusions and conditions; the agreed wording determines the protection.
Changes in the way you sell
Seasonal stock, online sales, deliveries, food preparation or a change of premises can affect the insurance you need. Tell us about these when we review your policy.
A practical renewal review
Upload your current schedule and renewal. We compare the activities, sums insured, excesses, fees and selected cover before explaining available quotations and any differences.
A simple first step
- Current schedule, renewal or statement of fact
- Shop address, goods sold, opening arrangements and business activities
- Stock and contents values, turnover, wage roll and claims history
Shop insurance. The details worth checking.
Do I need cover if my landlord insures the building?
A landlord’s buildings policy does not establish cover for your own stock, equipment or business liabilities. Send the insurance responsibilities in your lease and your current schedule, so we can discuss the sections relevant to your shop.
What if my stock increases before Christmas or during busy periods?
Tell us your normal stock value and the highest amount you expect to hold, including any stock stored elsewhere. We can check whether a proposed seasonal increase applies, its dates and limits, or whether a different sum insured is needed.
What helps you compare my shop renewal properly?
Send the schedule, renewal, claims history and details of what you sell. Include turnover, wage roll, stock and contents values, and any food preparation or delivery work. We compare the accepted activities, cover, excesses and total cost with you.
Further reading: ABI: commercial property, stock and equipment. Your quotation and policy wording determine the cover offered.
Explore the cover you need
The available cover and premium depend on your circumstances, insurer acceptance and policy terms. Savings and price matching are not guaranteed. Uploading documents does not put cover in force.
Contact the Portwood team