Shopkeepers Insurance

  • Everything is covered from grocers and florists to barber's shops and ice cream parlours
  • Up to £2 million public liability cover
  • Up to £10 million employers’ liability
How it works

Everything is covered from grocers and florists to barber’s shops and ice cream parlours. And the claims line is open 24-hours a day so that’s one less thing to worry about.

  • Up to £2 million product liability
  • Public Liability insurance will protect your business if a member of the public suffers accidental injury or damage to their property because of your business. It’s included as standard in our policy.
  • Employers' Liability insurance protects your business if a member of staff becomes ill or gets injured as a result of an accident at work and your business was at fault. We offer up to £10 million cover in employers' liability as standard.
  • Product Liability insurance will protect your business if a member of the public suffers accidental injury or damage to their property as a result of a product you’ve supplied. We offer up to £2 million for any one insurance period as standard.

Making a claim

The claims line is open 24 hours a day so the claims team are there whenever you need them. 

Policy features

Also included in this policy

  • Up to £1,000,000 for non-production machinery breakdown at the premises
  • Up to £2,500 in property cover for exhibitions plus up to £1,000 cover if your keys are stolen
  • Up to £500,000 loss gross profit up to 24 months including, denial of access to property, food poisoning and much more
  • Up to £2,500 for goods in transit
  • Up to £100,000 for legal expenses

Please see Shopkeepers Keyfacts summary and Business Legal Guard Keyfacts summary for further information. Terms, conditions, limitations and exclusions apply.

Definitions

0800: All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.

Cross liabilities: This is where the two named parties in the claim are under the same insurance policy and it protects both people.

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Small print

Post Office Money® Business Insurance / Shopkeepers Insurance is arranged and administered by Arthur J. Gallagher Insurance Brokers Limited. Arthur J. Gallagher Insurance Brokers Limited arranges policies from a panel of insurers; the details of which are available upon request from Arthur J. Gallagher Insurance Brokers Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. 

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority, FRN 311786. Arthur J. Gallagher Insurance Brokers Limited is registered in Scotland, registered number SC108909. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN). Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.

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To apply:

0800 138 8271 9am-5pm, Mon-Fri
Closed Sat, Sun and Bank Holidays

For Customer Services

0800 138 8272 9am - 5pm, Mon-Fri
Closed Sat, Sun and Bank Holidays