Shops (incorporating Hair and Beauty)

Flexible e-traded commercial insurance to cover buildings, contents and stock of up to £2.5m for a wide range of shops and businesses.

Why choose RSA?

  • We cover risks with ATMs installed at the premises
  • We cover retailers who operate from a domestic premises
  • We cover risks retailing second-hand goods, including charity shops
  • A hair and beauty extension in the policy wording specifically designed for this market
  • Simplified approach to security requirements
  • Free 24-hour advice lines for catastrophe claim assistance, emergency repairs and health and safety
  • Wide trade and geographical eligibility, so we cover more trades and postcodes
Retailer insurance Defaqto logo 2024

A flexible e-traded product

Our Shops policy is specifically designed to suit the needs of small to medium-sized retail businesses. We can provide cover for a range of trades, including convenience stores, takeaway food outlets, clothing, cafés, coffee shops, and hair and beauty salons.

Defaqto liked our Shops insurance policy so much they gave it 5 Stars!

Risk appetite and cover

Find out more about our risk appetite by exploring the tabs below.

Our standard cover consists of:

  • General trade stock and other trade contents 50% seasonal stock increase for Christmas and Easter (or a period of the same length of the customers choice)
  • Goods in transit cover at £2,500 (option to extend to £10,000)
  • Unspecified all risks items at £2,500 (option to increase)
  • £1,000 cover for damage to frozen and chilled food (option to increase)
  • Public and products liability is automatically included to £2m (option to increase)
  • For hair and beauty risks, public and products liability is included for acceptable treatments
  • Loss of liquor licence cover to £100,000 (option to increase)
  • Money cover at £3,500 (option to increase)
  • Business interruption (gross profit from £500,000)

Our standard cover consists of:

  • General trade stock and other trade contents 50% seasonal stock increase for Christmas and Easter (or a period of the same length of the customers choice)
  • Goods in transit cover at £2,500 (option to extend to £10,000)
  • Unspecified all risks items at £2,500 (option to increase)
  • £1,000 cover for damage to frozen and chilled food (option to increase)
  • Public and products liability is automatically included to £2m (option to increase)
  • For hair and beauty risks, public and products liability is included for acceptable treatments
  • Loss of liquor licence cover to £100,000 (option to increase)
  • Money cover at £3,500 (option to increase)
  • Business interruption (gross profit from £500,000)

Choose from a range of optional covers to meet your needs:

  • Stock cover for tobacco, wines and spirits
  • Option to include buildings cover or tenants improvements
  • Fidelity
  • Legal expenses
  • Terrorism

This product is designed to meet the needs of:

  • Hairdressers
  • Food risks – including takeaways and fish and chip shops
  • Convenience stores & grocers
  • Beauty salons
  • Contents with sum insured under £20,000 & stock under £10,000
  • Cafes and coffee shops

We can offer particularly good deals for:

  • Single tenancy
  • Good alarm and physical security
  • Low claims frequency
  • Standard construction
  • Length of time in business

Risks we don’t write – or write only rarely as a small part of a wider portfolio – include:

  • Individual exposures greater than £2.5m SI
  • Portfolios with more than 10 premises
  • Medical or invasive treatment risks
  • Predominantly unoccupied Portfolios
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Get an expert claims team on your side

We understand the impact a claim can have on your customer’s business. That’s why our dedicated teams will provide a fast and efficient claims service to get people and businesses back on track as quickly as possible.
Find out more about claims
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Helping businesses be safer, stronger, and more resilient

We offer a wide range of risk control guides to help safeguard your customers’ businesses and interests. From health and safety to weather damage, you can help your customers put in place a comprehensive risk mitigation programme by supplying them with a wide range of content created by our risk experts.
Find out more

Documents and downloads

View and download policies, brochures and more.

Risk management guides

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How to trade with us

For portfolios of up to 10 premises and up to £2.5m of cover, you can e-trade quickly and efficiently.
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