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
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
Get an expert claims team on your side
Helping businesses be safer, stronger, and more resilient
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Risk management guides
