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Shop Insurance

Designed to help independent retailers run their business smoothly and cost effectively

RAC Shop Insurance is provided by Brightside Insurance Services Ltd. Products supplied by a panel of insurance companies. Details available on request.

Protect your brand reputation and top-line figures

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 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. It’s important to get back to normal as quickly as possible, so the shop insurance fulfilled by our trusted partners is specifically designed to help independent retailers run their business smoothly and cost effectively.

Shop Insurance - how we can help

Via RAC Insurance you can access bespoke shop insurance packages that are specifically tailored to meet your exact needs. Common elements 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.

Bespoke commercial insurance policies may have limitations and exclusions. Please make sure you read all the documentation as soon as you receive it to confirm you’re happy with the cover provided.

Why choose us?

At the RAC we know it’s not just the policy that matters, but that all-important customer service too. Buy through us and you’ll get:

  • tailor made policies to suit your individual business
  • UK business centre
  • immediate cover available
  • fast and friendly service from 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, you’ll also find 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.

All cover is subject to insurers’ underwriting criteria and full terms and conditions, which are available on request.


You have a legal obligation (as a buyer of commercial insurance), to disclose information before entering (or changing) a contract of insurance. We call this your duty to make a Fair Presentation of Risk.

It means that when you seek insurance, you need to volunteer and disclose all material information that is known by you (or should be known by you), which an insurer would want to know when it’s deciding whether to offer insurance cover and, if so, on what terms and at what price.

You need to make sure that facts are correct or substantially correct, and statements of expectation or belief are made in good faith.

Get in touch

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Get a quote

To get a quote, click below and tell us a little bit about your Business Insurance needs.