Whether on the high street or out of town, our shop insurance policy, backed by leading insurers helps to keep you open all hours.

Helping protect against the effects of unforeseen events, our shop insurance can be tailored to a wide range of businesses, from florists to salons and electrical outlets, through to local stores and corner shops. Cover can include buildings, contents, theft, business interruption, seasonal increases and more.

Shop insurance features
  • Buildings cover
  • Fixtures and fittings cover
  • All risks cover for loss or damage to contents
  • Business interruption
  • Cover for money belonging to you or that you are responsible for in connection with the business
  • Accidental damage cover, including damage to glass
  • Seasonal increases for stock
  • Refrigerated stock
  • Damage or theft of stock while in transit
  • Public liability with a limit of indemnity of £2 million (option to increase to £5 million)
  • Products liability with a limit of indemnity of £2 million (option to increase to £5 million)
  • Loss of licence if applicable to your business
  • Legal expenses including cover for contract disputes
  • Quotes can often be by phone or online
  • In house team with delegated authority giving you answers directly
  • Discounts available
Shop insurance exclusions:
  • Property damage due to wear & tear
  • Damage caused by water when the building is unoccupied
  • Damage caused by theft or attempted theft when not involving entry by forcible means

Please refer to your policy wording for a full list of exclusions for all sections covered within your insurance.

Can I contact you during the busy trading periods of the year to increase stock cover?

Yes, although, we have access to policies which will offer this as standard cover! During the busier trading periods of the year, stock will be automatically increased from 15% – 25% depending on the policy used.

I have suffered a claim in the past, will you still be able to offer me cover?

We are able to offer policies to clients who have previously suffered a claim. After all this is what insurance is for? To cover your business against perils in times of need. We will also be able to assess your situation and help in taking steps to prevent a further loss from occurring.

With Adler Insurance you can be confident that, in the event of the worst happening, your claim will be handled by a dedicated claims team.

Simply contact our team using the details within your policy documents, or call them direct on 0121 764 7563. They will talk with you about your claim, guiding you through your next steps and taking you through the process.

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Explore Further

  • Is your property under-insured?

    20/06/14 by Adler Insurance

    If your building has not been valued for insurance purposes for some time, you could be under-insured. Find out how a reinstatement valuation can help.