As a shop owner, you know that customer service always comes first. However, there may be times when through no fault of your own, you might have to let your customers down. If your stock is damaged or if your retail premises have to close as a result of damage, the effect can impact both your bottom line figures and your reputation. But with the right shop insurance you can protect yourself against the financial consequences of unforeseen events, and keep your business running smoothly. At the RAC we know how important it is to get back to normal as quickly as possible, so our shop insurance is specifically designed to help independent retailers run their business smoothly and cost effectively.

Shop Insurance - how we can help

We put together bespoke shop insurance packages that are specifically tailored to meet your exact needs. Common elements of our shop insurance packages include:

  • Employers’ liability –Protects your legal responsibility for accidental death or bodily injury caused to your employees arising out of activities connected to your business
  • Public liability – covers your legal responsibility for injury caused to the public or damage to their property due to fault of you or your staff
  • Premises cover - includes fixtures & fittings and protects against damage caused by a range of perils including flood and fire
  • Stock cover - includes cover for theft, accidental and malicious damage
  • Business Interruption - provides financial assistance for an agreed period of time to cover business overheads that result from considerable interruption to your trading following a fire or other major insured peril
  • Money cover - covers theft of money from your premises or whilst in transit to or from your bank
  • Glass cover - provides cover for the replacement of broken or damaged glass including shop front, windows and glass in display cabinets
  • Products Liability - protects your legal liability for injury or damage caused to the public arising from the supply of goods in connection with your business


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Or call us on 0344 892 1757 today.

Why Choose Us?

At the RAC we know it’s not just the policy that matters, but that all-important customer service too. So we include:

  • Tailor made policies to suit your individual business
  • A UK business centre
  • Immediate cover available
  • Fast and friendly service from our highly trained and expert staff
  • Cover available for sole traders, small and medium-sized businesses

Optional Extras

As well as your standard business insurance such as public liability and employer’s liability, our shop insurance packages can also include a range of optional extras such as:

  • Loss of Licence - various covers available that provide protection for your business or premises due to losing your liquor licence for reasons beyond your control
  • Deterioration of Stock - protects against damage to stock in your freezers caused by a rise or fall in temperature due to breakdown of your freezer unit or accidental failure of electrical supply
  • Goods in Transit - protects against loss or damage caused to goods on the move in the UK

Cover is subject to insurers underwriting criteria, policy terms and conditions available on request.

03 numbers are charged at national call rates and included in inclusive minute plans from landlines and mobiles. Calls may be monitored and/or recorded.

RAC Insurance is a registered trade mark used by Towergate Underwriting Group Ltd under licence from RAC Financial Services Ltd trading as RAC insurance. Towergate Underwriting Group Ltd is authorised and regulated by the Financial Conduct Authority, registered in England with company number 4043759. Registered Address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN. RAC Financial Services Limited is authorised and regulated by the Financial Conduct Authority, registered in England with company number 05171817. Registered Address: RAC House, Brockhurst Crescent, Walsall, WS5 4AW.