• 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.

For new business and renewals transacted from 01 April 2020 we would like to draw your attention to the Important Notice to Policyholder document outlining changes to the policy wording.


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%

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