Shop Insurance

ALDIUM Insurance


As a shop owner, having the right insurance cover is crucial to protect your business from unexpected events. Whether it’s a fire, theft, or damage to your property, having the right shop insurance policy in place can provide peace of mind and ensure that your business is protected.

Aldium is an independent insurance brokerage, we specialise in providing tailored shop insurance solutions to meet the specific needs of your business.

Our team of experienced brokers will work with you to understand the risks your shop faces and design a policy that provides the cover you need at an affordable price.

Don’t let unexpected events put your business at risk, contact us today to learn more about our shop insurance options.

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Yes, it is highly recommended for shop owners to have insurance in place to protect their business from unexpected events.

Shop insurance, also called retail insurance, is a specialised type of insurance that provides coverage for a wide range of risks that are specific to the retail industry.

These risks can include everything from damage to your property and contents, to liability claims from customers who may suffer an injury on your premises. Having insurance in place can provide financial protection for your business, covering the cost of repairs, replacement of stolen goods, and legal fees in case of a claim.

It is always better to be prepared and have the necessary coverage in place to protect your business from any unforeseen circumstances.



Shop insurance typically covers a range of risks that are specific to the retail industry, including:
Buildings cover: This covers damage to your shop building and contents from events such as fire, storm, flood, and theft.
Business interruption: This covers loss of income if your shop is unable to operate due to a covered event, such as a fire or storm.
Public liability: This covers third-party claims of injury or damage caused by your business operations, such as a customer tripping and falling on your premises.
Employers’ liability: This covers claims made by employees who suffer an injury or illness as a result of their work.
Stock and goods in transit: This covers loss or damage to your stock and goods while in transit, such as during delivery or while being transported to a trade fair.
Money cover: This covers loss of money as a result of theft or attempted theft.
Glass cover: This covers the cost of repairing or replacing glass in your shop windows or display cases.
Product liability: This covers claims made by customers who have suffered injury or damage as a result of a defect in a product you have sold.
It’s worth noting that the cover options and limits vary depending on the policy and the provider, so it’s important to read the policy terms and conditions carefully and understand what is and what is not covered.

That is also why you should talk to Aldium, as we are an experienced insurance broker who can help you understand the specific risks that your shop faces and tailor a policy to meet those needs.


The cost of shop insurance varies depending on a number of factors, including the type of shop, its location and the level of cover needed.

Some other factors that can affect the cost of shop insurance include the value of the building and contents, the type of products sold, and the level of risk associated with the business.

Typically, small retail shops can expect to pay anywhere from a few hundred pounds to a few thousand pounds per year for a comprehensive shop insurance policy. However, it’s important to remember that the exact cost will depend on the specific needs and circumstances of your business.

It is always recommended to get quotes from several insurance providers and compare the coverage and costs before making a decision. Aldium are an experienced insurance broker and we can will compare quotes from multiple insurers to find to help you understand the costs and cover options available, and help you to find the most cost-effective solution for your business.

It’s always recommended to read the policy terms and conditions carefully and understand what is and what is not covered.

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