Retail Shop Insurance

Our retail shops insurance covers shops and retail business that sell products or provide services on the premises (hairdressers, florists, grocers, etc.). With so many members of the public coming in and out of your shop each day, you want to know you are covered for anything that can happen. Your shop is central to your business and success, so give yourself peace of mind by covering your assets, stock, employees, and the public. We can tailor your retail shop insurance to fit your business needs and concerns. As your business grows, your insurance can grow with you to meet the needs of your customers and bottom line.

With our coverage, you can make changes to your existing policy at any time, make easy claims, and tailor your insurance to meet the needs of your property. We offer...

  • Public liability for injury or damage to the public
  • Business content coverage (cash registers, counters, equipment, etc). Subject to terms and conditions, depending on high-risk stock and security conditions.
  • Employer liability to cover your employees injury including damages, legal costs, and expenses
  • Loss on income coverage after an incident requiring an insurance claim
  • Accidental damage
  • Building coverage
  • Loss of drinks licence


Please provide the most accurate, up to date information as possible regarding your property, coverage needs, and contact information. This information helps to provide you with the most accurate and cost-effective insurance coverage quote to you; if any information is incorrect, it could affect your policy and coverage. If your contact, property, or any other circumstances change between the policy purchase date and the coverage start date, you must contact your insurer us as soon as possible in order to make sure your policy stays current so that any changes do not affect your policy.

If you need to make changes to your policy or contact information once your policy is active, you may call your insurer to make changes to your policy. You can cancel your policy at any time while it is active.

In order to qualify for insurance coverage, neither you, nor your directors or business partners cannot have any of the following circumstances:

  • Have had insurance coverage denied or special conditions imposed by insurance company
  • Have been convicted of or charged (but not yet tried) with a breach of any health and safety legislation or any other criminal offence
  • Have been subject to bankruptcy or insolvency orders which are either outstanding or have been discharged for less than 5 years
  • Have not had more than four claims in the last three years

In order to qualify for insurance coverage, the building of your Restaurant:

  • Must be made solely of brick, stone, or concrete and roofed solely of slates, tiles, asphalt, concrete, metal or other incombustible materials other than flat roofs.
  • Not be heated by methods other than electricity, natural gas, or fixed central heating system and open fires
  • The building must not require any repair or refurbishment to make them secure or water tight and will be maintained
  • The level of security of your restaurant must meet our minimum security requirements

In order to qualify for insurance coverage, your Restaurant business must not:

  • Organise any events away from your premises

You must ensure:

  • The level of security at your retail shop meets our minimum security requirements
  • Your retail shop is at one location on a single premise
  • You have sole control over all doors, windows, and access points to your business
  • You must conduct your business from a shop
  • No Automated Teller Machines (ATM) can be on the premises

Customer Reviews

Our Rating
Customer Review
4.5 /5
Customer Testimonials

"I will refer all my friends to swiftcover – you helped me to insure my business with the best insurance."

Brenda Mgobozi

Standard cover includes:

  • Business interruption
  • Unlimited glass cover
  • Money
  • Goods in transit
  • Loss of licence
  • Book debts
  • Public and products liability
  • Employers liability
  • Legal expenses

Optional cover - choose from:

  • Buildings
  • Contents
  • Tenants improvements
  • Stock
  • Electronic business equipment

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