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SHOP INSURANCE

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Thousands chose to get a quote from Nova Insurance in 2023. Get a shop insurance quote today.

Rated by over 150 customers

Proudly independent for 25 years

Shop Insurance

Owning a shop requires you to be extremely organised as well as have a keen grasp of budgeting and customer service. All of this requires a lot of time and effort, which means that shop owners often struggle to find the time to search for cheap shop insurance. However, here at Nova Insurance we make things easy as we only ask our customers to fill out one simple form and then find the most competitive prices.

Bakers & Bakeries


    Gift Shop


      Off Licence

        Pet Shop


          Tattoo Studio

            Here at Nova Insurance we also understand that the high street is currently going through a tough time, which means that shop owners need insurance policies that not only protect them but are flexible and beneficial to their businesses. For example, many of our customers choose not to pay the full annual amount for their insurance straight away and instead pay smaller monthly instalments more in line with their budgets.

            If you are looking for a tailored insurance product for your shop make sure you see how competitive and beneficial our products can be for your business. No matter whether you own a restaurant, clothing store or charity shop it only takes a couple of minutes so you have nothing to lose except for expensive insurance premiums!

            Shop Insurance

            Different Shops. Different Needs

            While Nova Insurance specialises in comprehensive retail business protection, certain commercial sectors consistently feature in our client portfolio. Clothing retailers represent a significant segment with unique insurance requirements that extend beyond standard commercial coverage. These businesses face distinctive challenges, particularly concerning inventory protection and potential stock replacement in various damage scenarios.

            Apparel businesses encounter nuanced insurance needs that differ from other retail sectors. For instance, clothing stores might require complete stock replacement, unlike retailers selling less sensitive merchandise. This vulnerability necessitates specialised insurance solutions that comprehensively address potential risks.

            Our insurance packages cater to diverse clothing retail segments, encompassing a wide range of specialized stores. From elegant bridal boutiques and contemporary menswear establishments to children’s clothing shops, leisurewear outlets, high street fashion retailers, school uniform suppliers, and specialised knitwear stores, we offer tailored insurance solutions designed to protect their specific business needs.

            The intricate nature of clothing retail insurance demands a sophisticated approach. Recognizing the unique vulnerabilities of textile-based businesses, our policies are crafted to provide robust protection against potential financial losses from accidents, fire damage, flooding, and other unexpected events that could compromise valuable inventory.

            Why Nova Insurance for shop insurance?

            We’ve a UK based call centre are available 6 days a week to take your call. The experienced team can guide you through the process of getting a shop insurance quotation. Offering relevant advice and assistance throughout quote.

            Calls are completely free, as we use 0800 numbers. However you can request a callback and we will call you back at a time that’s convenient for you.  Ready for a quote? Simply complete the form and we will call you back. Alternatively you can contact us.

            Shop Insurance Frequently Asked Questions

            Here are some frequently asked questions that you may find useful to review before getting a shop insurance quote. Don’t forget our knowledgeable and friendly UK based team are on hand for any questions you may have.

            In order for your business to thrive you will need a large amount of customers to visit your shop on a frequent basis. However, if you have a particularly busy business then you will find that wear and tear to your property will happen more often, and that your customers will also accidentally damage your goods. Even though it is a customer’s responsibility to pay for damaged goods, you don’t always find out about it until it’s too late, which is where your shop insurance can help.

            Like all types of insurance, the cost of your shop insurance will depend on the amount of risk you pose, which can include where you are situated and the type of services you offer. It’s important to make sure that your business is not only protected when it is open but also when it’s closed, and if it is in a busy area you could find it more of a target for thieves. Our policies can protect your shop from damages caused by attempted thefts or fires from electrical faults, meaning that when you close up each night you can switch off too!

            We strongly suggest to all our customers to include public liability cover in their policies as well as employer’s liability cover, as if one of your employees has an accident at work they could hold you responsible. It’s impossible for shop owners to keep an eye on their staff at all times, especially if they work in a fast paced industry where accidents do happen. Even if these accidents aren’t your fault you may have to argue your case in court, and our shop insurance can cover the cost of legal fees.

            Our shop insurance is extremely extensive, which means that you are protected against a wide range of damages as well as various forms of liability. Add to this our competitive prices and excellent customer service and you can see why so many customers choose to use Nova Insurance time and time again. We have also been in the insurance industry for over 18 years, which means that you will not only have our products on your side but also our experience. If you would like any more information about our shop insurance policies then call 0800 083 1566 and one of our advisers will be happy to help!

            A shop has three key or important aspects that any good insurance policy should include. Those three things are firstly your premises and stock (buildings and contents insurance), secondly your customers (public liability insurance) and thirdly protection of outgoing costs should you have to stop trading (business interruption insurance).

            You can pay for any of our policies using all major credit and debit cards, finance or bank transfer (BACS)

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            Have you got a question that we haven’t answered or need a shop insurance quote? Then please contact us or call us on 0800 083 1566

            Very helpful, patient and easy to talk to also fast process more than happy with the customer service.