Why do I need insurance if I’m in retail?

You may well be getting ready to re-open your doors as the Coronavirus lockdown eases. While it is important to make sure you have the right insurances in place to protect you, your staff, your customers and your business, there are now other considerations when it comes to protection. We’ve pulled together this Re-opening Retail Checklist, which will hopefully help guide you.

For more guides, checklists and action plans, visit our Covid-19 Business Hub page.

As we emerge from the pandemic, it is worth remembering the other risks your retail business faces: damage to stock by flood or fire, theft, damage to electronic equipment, refrigeration failure, injury to customers or staff, assaults on staff, prosecutions, tribunals. The correct insurance will help to minimise the disruption to your business.

What would a basic policy include?

Public liability
Employer's liability
Products liability
Contents
Money
Business interruption

What else might you need?

As no two circumstances are alike, no two policies should be alike – we won’t offer you a standard package if that is not what is best for your requirements. We may recommend additional covers such as:

We understand that every business is different and can advise what insurance you do, and do not, need
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You may also benefit from these related options:

Fleet insurance
Marine cargo insurance
Cyber insurance