Shop Insurance That Protects Your Business

Running a shop comes with daily risks—from theft and damage to unexpected interruptions that can affect your ability to trade.

At Oakwood Insurance Brokers, we help arrange shop insurance that protects your premises, your stock, and your income—so you can focus on running your business with confidence.

Whether you’re an independent retailer, salon, café, or high street business, we’ll tailor cover to suit your needs.

What Does Shop Insurance Cover?

Shop insurance is designed to protect your business from a wide range of risks.

A typical policy can include:

• Buildings cover (if you own the premises)
• Contents and stock cover
• Public liability insurance
• Employers’ liability insurance
• Business interruption cover

What Is Covered?

Depending on your policy, you can be protected against:

• Fire, flood, and storm damage
• Theft or attempted theft
• Damage to stock and equipment
• Injury claims from customers or members of the public
• Loss of income following an insured event

Optional Extras to Consider

Every business is different, so your policy can be tailored with additional protection where needed:

Business Interruption Cover
Helps replace lost income if your shop cannot trade following damage.

Stock Cover (Seasonal Increase)
Allows for higher stock levels during busy periods.

Goods in Transit
Protects stock while it’s being delivered or transported.

Money Cover
Covers cash held on the premises or in transit.

When Does Shop Insurance Help?

We’ve seen how quickly things can change for retail businesses. Shop insurance can help when:

• Your premises are damaged by fire or flooding
• Stock is stolen or vandalised
• A customer is injured in your shop
• You’re forced to close temporarily due to damage

The right cover means your business can recover and continue trading.

Who Is Shop Insurance Suitable For?

We arrange cover for a wide range of businesses, including:

• Retail shops
• Hair and beauty salons
• Cafés and small food outlets
• Convenience stores
• Independent high street businesses

Why Choose Oakwood Insurance Brokers?

• Independent advice tailored to your business
• Family-run brokerage established since 1996
• Access to leading UK insurers
• Personal, straightforward service
• Local presence with ongoing support

We take the time to understand your business and arrange cover that works for you.

More Than Just Shop Insurance

We can also help with:

• Office insurance
• Public liability and tradesman cover
• Fleet and commercial vehicle insurance
• Commercial combined policies

Speak to Oakwood Today

Whether you’re starting a new business or reviewing your current cover, we’re here to help.

• Call us to speak to a specialist
• Request a free, no-obligation quotation
• Or visit us in our Market Deeping office