Retail Insurance
Flexible insurance cover designed for shops, retailers and retail businesses.
Dickson & Wilson Insurance Brokers
What Can Affect Your Retail Insurance Premium?
Retail businesses face a variety of everyday risks, from customer accidents to stock damage and theft. Because no two retail operations are exactly the same, insurers look at several factors when calculating the cost of your retail insurance policy.
Our team helps retail business owners understand these risks and arrange cover that protects their premises, stock and day to day operations.
Some of the main factors that can influence your retail insurance premium include:
Type of retail business:
The type of products you sell can affect insurance risk. Retailers selling higher value items such as electronics, jewellery or specialist goods may require higher levels of cover.
Location of your shop:
Where your premises is located can influence insurance costs. Shops located in busy town centres or areas with higher theft rates may face higher premiums.
Value of stock and inventory:
The amount and value of stock held on site is a key factor. Retailers carrying large volumes of valuable goods may require increased protection.
Security measures:
Insurers often consider the security systems in place at your premises. Features such as alarm systems, CCTV and secure shutters may help reduce risk.
Previous claims history:
Your business claims history can affect insurance pricing. Retailers with fewer past claims and good risk management procedures may benefit from more favourable terms.
Dickson & Wilson Insurance Brokers
Types of Retail Insurance Cover Available
Retail businesses often require several types of insurance cover to protect their premises, employees and customers.
Public Liability Insurance
Protects your business if a customer or visitor is injured in your shop or their property is damaged.
Employers Liability Insurance
Provides cover if employees are injured or become ill as a result of their work.
Shop and Premises Insurance
Cover for buildings, shop fittings and contents against risks such as fire, storm or vandalism.
Stock Insurance
Protection for goods and inventory stored within your premises.
Business Interruption Insurance
Helps cover loss of income if your shop cannot operate due to an insured event.
Retail Insurance Extras
Additional Cover Options
Additional protection can be added depending on the needs of your retail business.
Goods in Transit Cover
Protection for stock being transported between suppliers, warehouses or retail locations.
Money Cover
Cover for cash kept on the premises or in transit to the bank
Equipment Breakdown Cover
Protection for essential equipment such as refrigeration units or point of sale systems.
Legal Expenses Cover
Support with legal costs related to disputes or claims.
Cyber Insurance
Protection against cyber attacks or data breaches affecting payment systems or customer data.
Experienced Insurance Brokers
Our Promise to Manufacturing Customers
At Dickson & Wilson, we believe we work better together.
With almost a century of collective experience and local experts across multiple branches, we provide practical support and clear advice for retail businesses. Whether you run a small independent shop or a larger retail operation, we help ensure your business is protected against everyday risks.
If you are looking for retail insurance that offers flexibility, value and expert support, speak to our team today.
Retail Insurance
FAQs
What insurance do retail businesses need?
Most retailers require public liability insurance and employers liability insurance. Many businesses also choose shop insurance, stock cover and business interruption insurance.
Does retail insurance cover shoplifting or theft?
Stock insurance or theft cover may protect your business if goods are stolen from your premises, depending on the policy terms.
Is retail insurance legally required?
Employers liability insurance is usually required if your retail business employs staff. Other covers may not be legally required but are strongly recommended.
Does retail insurance cover online sales?
Some policies can include cover for businesses that sell products both in store and online, depending on the insurer and policy details.