A shop insurance policy through Fortify can offer you a wide range of protections.  Whether you have a shop, a café, a deli or a bakery, we can help you find a great value policy.  Thanks to our close relationships with a range of leading insurers – household names including Aviva, RSA, and Axa – we can do the shopping around for you and find you affordable, flexible high-quality cover that includes:

• Buildings insurance – if you own the premises you trade from, you’ll want to include buildings insurance in your shop policy. That way if it’s damaged or even destroyed, you’ll be protected.

• Public liability – public liability cover is there in case your business causes harm to others or to someone’s property. For example, this cover would protect you if a member of the public slips over in your store and sues you for damages.  Should this happen, your public liability cover will help with legal fees and any compensation pay-out should one be awarded.

Employers’ liability – do you have any employees? If so, even if they are part-time or temporary, it is a legal requirement to have employers’ liability insurance in place.  Failure to do so can mean a fine of up to £2,500 per day.  Employers’ liability will protect your business if a member of staff becomes ill, is injured or their property is damaged while working for you and they decide to take legal action against you.  Just like public liability, this policy will help cover legal fees and any compensation that is paid out to the employee.

• Personal Accident Cover – what would happen if you were to be injured and were unable to work? Could your business keep trading and what would you live on?  Personal accident insurance will protect your income while you are unable to work and give you peace of mind while you recuperate.


• Stock Cover – most retail businesses have stock, and stock cover will protect it should it be stolen, lost or suffer damage through, for example, water damage or fire.

• High-Risk Stock Cover – if your shop sells or deals in high-value goods – electronics, expensive wines, antiques etc. – then you may need high-risk cover. Many standard policies exclude this kind of risk, so when you request your shop insurance quote ask us about high-risk stock cover options.

• Business Interruption Cover – what happens if your business can’t trade? A fire or a flood could stop your shop from trading for a long period of time, but with business interruption protection you will have an income until you can reopen your doors.

• Cyber Insurance – as more devices become connected to the internet and as hackers get smarter and bolder, so many small businesses are falling victim to cyber-attacks. Cyber insurance can help protect you and get your business back up and running should you be the victim of a cyber-crime.


• Legal cover– will help with legal fees if you’re involved in legal action against a third-party. Legal cover is not a standard policy feature but can be requested as an optional add on.

• Loss of licence – loss of licence insurance will cover you for the loss of income and lowering of the value of your business should you lose your license to sell alcohol on your premises.

• Frozen stock – the contents of freezers can add up to thousands of pounds and should the freezers fail you could potentially lose all this money. A way to protect yourself from this type of loss is to add on optional frozen stock cover.