Retail Insurance Solutions

Cover for shops, stock, liability, and business interruption.

Whether you own a single high-street shop, a multi-let industrial estate, or a national portfolio of mixed-use buildings — protecting your commercial property isn’t just a box to tick. It’s the backbone of your income, reputation, and future.

At Qudos Insurance we specialise in Commercial Property Insurance — offering tailored, expert-driven solutions that go beyond the standard. No tick-box policies, no guesswork — just robust, reliable cover built around your asset.

What Is Retail Insurance?

Retail Insurance is a flexible, tailored policy designed specifically for businesses that sell goods directly to the public — either in a physical location or online. It protects you against the everyday risks that come with running a shop, from customer injuries to stock loss, staff claims, and business interruption.

Whether you own a boutique, a corner shop, a vape store, or a multi-site chain, the right retail insurance helps keep your business trading with confidence.

What Does Retail Insurance Typically Cover?

We build your policy based on your business size, premises, stock value, and risk exposure. Typical cover includes:
  • Public Liability Insurance
  • Covers claims from members of the public who are injured or suffer property damage on your premises.
  • Employers’ Liability Insurance
  • A legal requirement if you employ anyone. Covers staff injury or illness while at work.
  • Stock & Contents Insurance
  • Protects your stock, shelving, tills, computers, and shop furniture from theft, fire, flood or accidental damage.
  • Business Interruption Insurance
  • Protects your income if you’re forced to close due to an insured event (e.g., flood, fire, break-in).
  • Money Cover
  • Covers cash held on-site, in safes, or in transit to the bank.
  • Glass & Shop Front Cover
  • Includes your windows, signage, and front-of-shop branding.
  • Goods in Transit (Optional)
  • If you transport stock between stores, warehouses, or to customers.
  • Legal Expenses (Optional)
  • Covers legal costs for employee disputes, property issues, or tax investigations.
  • Cyber Liability (Optional)
  • Ideal for shops using e-commerce, digital tills, or storing customer data.

Who Needs Retail Insurance?

Retail insurance is essential for any business that sells goods in-person or from a fixed premises. This includes:
  • Sole traders and independent shop owners
  • Franchises and chain store operators
  • Landlords of retail premises
  • Online retailers with physical stores or pop-ups
  • Tenants in shopping centres or arcades

What Types of Retail Businesses Can Be Covered?

We provide cover for a wide range of retail premises, including:
  • Clothing boutiques & shoe shops
  • Convenience stores, off-licences & newsagents
  • Vape shops & CBD retailers
  • Technology & electronics shops
  • Furniture & homeware stores
  • Florists & gift shops
  • Beauty salons, barbers & hairdressers
  • Bookshops & stationers
  • Bakeries, cafés & delicatessens
  • Dessert bars, bubble tea outlets & takeaways (front-of-house only)
Whether you own a high-street store, operate in a shopping centre, or manage a multi-location retail group, we tailor insurance to your layout, turnover, and risk profile.

Why Choose Qudos for Retail Insurance?

At Qudos Insurance Brokers, we understand the pressure of running a retail business — tight margins, changing seasons, and footfall risk. We’ve helped retailers across the UK secure affordable, reliable insurance that actually works when you need it.

  • Same-day quotes
  • Support with claims
  • Specialist cover for niche retailers
  • Flexible payment options

Let’s Keep Your Business Trading Safely

Speak to our retail insurance specialists today for a quick, no-obligation quote — or browse our FAQ hub to explore what your policy should include