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Whether you run a butcher’s, a baker’s or a corner shop, our affordable shop package is designed specifically to protect businesses just like yours.

With one simple insurance package, you’ll be covered against material damage to your shop’s contents and stock and for business interruption to cover financial loss as a result of material damage, injury to employees and third parties, and loss of money.

So if your shop has to close due to a serious fire, flood or burglary, we’ll replace items that have been damaged or stolen, and make sure you’re not out of pocket while you get back on your feet again. And if one of your customers slips in your shop and claims compensation, we’ll pay the costs for legal fees, court cases and pay-outs.

Protect your livelihood with our great-value insurance for your business so you can focus on giving your customers the service they expect.


Keeping your business covered

Our flexible policies let you choose the right level of cover for your business. And if you’re not sure, just give our knowledgeable insurance experts a call and we’ll help you choose. Our cover includes:

  • Public liability insurance

    Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business

  • Employers’ liability insurance

    Legally required for your business, we provide £10 million cover if you have to pay compensation or legal fees because your staff get ill or injured at work

  • Building cover

    Up to £2m for your premises in case of fire, flood, burglary or anything else that affects your building

  • Business interruption

    Cover up to £750,000 for lost business if your restaurant has to close due to fire, flood or burglary damage

  • Loss of money

    If you lose money or it’s stolen from your till or safe, you’re covered up to £10,000

  • Contents and stock

    Select cover up to £250,000 for the cost of replacing equipment, furnishings, food and drink that are damaged or stolen

  • Loss of license

    Protection up to £250,000 if your license to sell alcohol is revoked or not renewed

  • Goods in transit

    £10,000 cover for goods deliveries that are lost or damaged while in transit

The benefits of Caunce O’Hara insurance


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