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 Shops

Award-winning Retailer insurance

This product has been awarded a five star rating by Defaqto, an independent assessment based on facts not opinions. This endorsement follows expert analysis of quality data and industry-wide benchmarking. Recommending our Shops (Retailer) product to your customers can help you with your product governance requirements and support your Fair Value Assessment.

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Why choose RSA?

  • A competitive package of covers with flexible limits to suit the needs of most sole or small traders
  • Broad eligibility across trades
  • Eligibility for up to 8 persons
  • Automatic additional cover for Temporary Persons Employed up to an aggregate of 50 days in any period of insurance

Risk appetite and cover

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

  • Standard cover
  • Optional cover
  • Target customers
  • Positive risk features
  • Negative risk features

Standard cover

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)

This policy has been updated to exclude cover for Covid-19. See the Covid-19 notice to policyholders for more.

Optional cover

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
  • Personal accident
  • Fidelity
  • Legal expenses
  • Terrorism

This policy has been updated to exclude cover for Covid-19. See the Covid-19 notice to policyholders for more.

Target customers

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

Positive risk features

We can offer particularly good deals for:

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

Negative risk features

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.

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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.

Notice to policyholders

RSA have updated our non-motor policy wordings. These new wordings (located below) will apply to new business and renewals transacted on or after 19th November 2021. If you are renewing an existing RSA policy we would like to draw your attention to the Notice to Policyholder (November 2021). This highlights the changes to each of the policy wordings. Please ensure you select the version that corresponds with your product, and include this with your clients other renewal documentation.

Documents and downloads

View and download policies, brochures and more.

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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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