• Cover for buildings, contents and stock,
  • Up to £2.5m,
  • Wide eligibility

Suits: SMEs

Our Shops policy is specifically designed to suit the needs of limited companies, partnerships and sole proprietors operating small to medium retail businesses. We can provide cover for a range of trades including convenience stores, takeaway food outlets, clothing, cafés, coffee shops, and hair and beauty salons.

Benefits for you and your customer

  • We cover risks with ATMs installed at the premises
  • We cover retailers who operate from a domestic premises
  • We cover risks retailing second-hand goods, including charity shops
  • A specialist hair and beauty policy wording specifically designed for this market
  • Simplified approach to security requirements
  • Free 24-hour advice lines for catastrophe claim assistance, emergency repairs and health and safety
  • Wide trade and geographical eligibility, so we cover more trades and postcodes



Our standard cover consists of:

  • General trade stock – options to include cover for tobacco and alcohol are also included
  • Other trade contents
  • Buildings cover or tenants improvements cover 
  • For buildings/tenants improvements and contents/stock, cover can be provided on a standard fire and perils basis including accidental damage with the option to include subsidence
  • 50% seasonal stock increase for Christmas and Easter (or a period of the same length of the customers choice)
  • Goods in transit cover of £2,500 - option to extend to £10,000
  • Unspecified all risks items to £2,500 - option to increase
  • £1,000 cover for damage to frozen and chilled food - option to increase
  • Public/products liability is automatically included to £2m - option to increase
  • For hair and beauty risks, Public/products liability is included for acceptable treatments
  • Loss of liquor licence cover to £100,000 - option to increase
  • Money cover from £1,000 
  • Business interruption – gross profit from £500,000 
  • Options are available to include legal expenses, fidelity guarantee and personal accident

Sweet spots

Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.

  • Hairdressers
  • Food risks – including takeaways and fish and chip shops
  • Convenience stores & grocers
  • Beauty Salons
  • Contents with sum insured under £20,000 & stock under £10,000
  • Cafes & coffee shops

Positive risk features

Factors we will take into account to make our sweet spots even more competitive.

  • Single Tenancy
  • Good alarm & physical security
  • Low claims frequency
  • Standard construction
  • Length of time in business


Risks we would never write, or write only rarely forming a small part of a wider portfolio.

  • Individual exposures greater than £2,500,000 SI
  • Portfolios with more than 10 properties
  • Medical or invasive treatment risks
  • Predominantly unoccupied Portfolios

Did you know

Our Shops product gives you the ability to flex your rate of commission on rsaonline and Acturis from 0 to 35%


SME etrade Team
0345 071 6040

Claims Information


 We express handle suitable commercial property claims worth up to £2,500. This means that we aim to conclude settlement within 24 hours* by collecting important information to validate the policy cover at first notification, and making payment by your customers' preferred methods.


*core working hours are Monday to Friday, 9am to 5pm


Property Claims:
0330 102 4100
Liability Claims:
0330 100 6479