Please note this policy is only available for renewal business

If your policy schedule says 'Packaged Retail and Salons', please click here for the policy wording  

Our Shops product provides a flexible solution that can be tailored specifically to the demands of most retailers and salons.

Standard cover includes accidental damage for; contents, glass, goods in transit, money, personal accident, assault, employers’ & public liability and business interruption.

Optional cover is available for; buildings, refrigerated stock, loss of licence and treatment risks.

Full details of the benefits, exclusions and limitations of the cover can be downloaded from the product literature area below. 

To view the Target Market Statements and Product approval Process, please click here

Product literature

The latest version of the product literature is available to download above. If you need a version prior to those shown or need any other information about our products please contact your broker.


  • Multiple properties can be added online or larger portfolios can be submitted manually
  • 25% seasonal stock increases for Christmas and Easter (can be altered on request)
  • Replacement locks following theft of keys up to £1,000
  • Competitive Money Limits up to £5,000 as standard
  • Outstanding debit balances automatically included up to £25,000
  • Business Interruption standard at £500,000 over 24 months
  • Glass cover up to £2,000 as standard
  • All risks policy wording


  • Competitive premiums
  • Minimum premium £200 + IPT
  • Extensive list of acceptable trades
  • Option to pay by instalments (via direct debit)
  • Dedicated commercial claims helpline 0330 024 2266 operated 24 hours a day, 365 days a year, by staff trained in managing commercial claims
  • Free 24 hour business legal helpline