Shops & Retail
Cover for the shop, the stock, the staff and the takings — arranged for independent retailers, from a single unit to a small chain.
Cover for people in your position
A starting point, then tailored to you
Cover varies by insurer and by your circumstances — this is the shape of it. We'll confirm exactly what's included before anything is bound.
What you get with Clapton
Seasonal stock handled
Limits flex automatically for Christmas and peak trading, so you're not underinsured in your busiest week.
Quick claims for small losses
Glass, tills and stock claims settled fast — the losses that hurt cash flow most.
Grows with the business
Add a second site or a market stall mid-term without re-broking everything.
Shops & Retail: the questions we're asked
Yes — we build seasonal uplifts into the policy so cover rises automatically during your peak trading periods.
Business interruption covers lost income while you can't trade. We'll help you set a realistic figure and indemnity period.
Yes — it's a legal requirement for almost all employees, including part-time and casual staff.
You may also need
Ready to talk about shops & retail?
A short conversation tells us more than any form. We'll come back with cover built around your risk.