Retail shop insurance

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Keep your retail operations secure with our insurance plans.

Retail shop

About Shop and Retail Office insurance 

At Howden we understand the diversity of challenges faced by your business. With our expertise in the retail sector,  we can support your business by providing specially designed insurance package policies. Whether you require shop insurance, retail insurance, office insurance, or salon insurance, our solutions are customised to meet your business needs.  

What’s covered in our shops, retail and salon insurance?

  • Property damage and business interruption coverage

    Protects against damage caused by fire, storms, floods, or burst pipes. Covers the financial losses resulting from business interruption due to these events. 

  • Goods in transit

    If you transport goods (e.g., for deliveries), this  safeguards against loss or damage during transit. 

  • Theft of stock or money

    Provides financial protection in case inventory or money is stolen from your business premises. 

  • Public Liability insurance

    Covers the cost of defending  public liability claims. Essential for retail businesses to address potential liability claims. 

  • Employee injury

    Protects your business in case employees are injured while on the job. Ensures you can meet medical expenses and legal obligations. 

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Why choose Howden for insuring your retail store, salon or office?

When it comes to choosing retail and shop insurance in Ireland, we understand the unique needs that businesses face. At Howden, we understand that safeguarding your business is a priority and we are committed to finding the best insurance solutions for you, including:

Seasonal stock uplift

For those times your business has busier periods.

Trace and access

If you experience a leak, we will ensure it is located before it causes any real property damage.

Injuries to the public visiting your shop

Public liability insurance protects your business against third party claims for injury or damage to someone else’s property.

Escalator in mall with retail shops

Who needs shops insurance cover?

At Howden, shop owners can benefit from bespoke insurance policies, with built-in flexibility allowing amendments to suit the risks that are most likely to impact their business.

- Hairdressers & salons
- Butchers
- Retailers
- Florists
- Dentists
- Grocery shops

Ready when you are

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0818 287777

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Common shops insurance FAQs

Shop insurance is a type of business insurance designed to protect retail businesses from various risks, such as property damage, theft, and liability claims. It is essential because it helps safeguard your business assets, ensures continuity in case of unexpected events, and provides financial protection against potential liability claims. 

Shop insurance typically covers: 

  • Property Damage: Protection against damage to your shop's building and contents due to fire, flood, vandalism, or other perils. 
  • Theft: Coverage for loss of stock or equipment due to burglary or theft. 
  • Public Liability: Protection against claims made by third parties for injuries or damages that occur on your premises. 
  • Business Interruption: Compensation for lost income if your shop is unable to operate due to an insured event. 

The cost of shop insurance varies depending on several factors, including the size and location of your shop, the value of your stock and equipment, the level of coverage you choose, and your claims history. Get in touch with us today to find the best coverage for your needs. 

Tailor made coverages by experts for experts