Shop Buildings Insurance

Compare Shop Building Insurance Deals

Protect your shop or retail premises with a comprehensive shop buildings insurance policy. Shop buildings insurance covers the cost of repairing or rebuilding your retail business premise in the event of things going wrong. Our free comparison table below can help to make sure you get the best shop building insurance deals around:

  • View deals side by side
  • Compare deals and online discounts
  • Apply for free quotes

Just click on the links in the table to find out more about shop building insurance:

Compare Shop Building Insurance Deals
ProviderPublic LiabilityAdditional BenefitsApply
yesFill in one simple form to compare quotes from a wide range of providers to find the right Shop Insurance deal for you.Get Quotes >
yesSave money on your shop insurance by comparing prices and policies quickly with one easy to fill in form. Includes employers, public and products liability cover, business interruption, buildings insurance as well as cover for loss/damaged stock, computer breakdown cover, goods in transit, legal expenses and much more.Get Quotes >

What is Shop Buildings insurance?

Shop Buildings insurance covers the cost of repairing or rebuilding your business premises if damaged or destroyed. Shop buildings insurance isn’t a legal requirement, but most commercial mortgage providers will require you to you take out a policy before they give you a loan.

What can be covered by shop building insurance?

The right shop building insurance policy will cover you fora range of eventualities that might lead to damage to your shop property, such as:

  • burst pipes
  • falling trees
  • fire and smoke damage
  • flooding
  • damage due to riots or other human causes
  • storm damage
  • subsidence
  • theft from the building itself i.e. roof slates

What is not covered by shop buildings insurance?

Most shop building insurance policies will not cover you for a few specific eventualities such as general wear and tear on the shop such as might be expected over the course of time. You will also not usually be covered for damage to the shop due to war or terrorism.

I own the building that houses my shop outright – do I still need shop building insurance?

Even if you own your shop premises outright you should still take out shop buildings insurance to protect you against the potential costs of repairs or reconstruction of your property.

I rent my shop – do I still need to have shop building insurance?

If you’re a tenant at your place of business, the responsibility for getting shop building insurance falls on your landlord.However, you'll need to think about getting your own shop contents insurance to safeguard your stock and equipment.

How much should I insure my shop for?

You should make sure that you insure your shop building against the cost of reconstructing the property, not against its sale cost or its current cost.