Not all retailers are the same, so why should your insurance be?

Whether your business is online or on the high street, we’ve got you covered with our business insurance for retailers. We provide cover for a wide range of retail businesses, from beauty salons and hairdressers, to coffee shops and home-based retailers. So, if your business is based in a shop, make sure you tell us so we can give you the right cover. With AXA business insurance, you’ll get the freedom to tailor your contents cover to meet your needs. That means you get the cover that’s right for your business – not someone else’s.

Just choose the covers you want – and leave the ones you don’t. What’s more, you’ll benefit from a 10% discount for buying online. It’s the protection you’d expect from AXA – for less.

What can I include with shop insurance?

Public liability insurance

You’re responsible for the welfare of every customer or visitor. Public liability keeps you covered for up to £5 million if a member of the public is accidentally injured or their property gets damaged while dealing with your business.

Read more about public liability insurance.

Employers' liability insurance

If you have employees, contractors, casual workers or temporary staff, it’s a legal requirement for you to take out employers’ liability insurance. It covers you for up to £10 million for any claims from staff may become unwell or suffer an injury as a result of working for you.

Read more about employers' liability insurance.

Professional indemnity

Professional indemnity is designed to protect your business against claims of professional negligence that results in loss for your client.

Professional indemnity covers losses by your customers or others, where you provide a service, give advice, make designs, plans or calculations, written reports and inspections; however, it does not cover losses caused by manual work.

Read more about professional indemnity.

Contents cover

Contents cover up to £250,000 can help you replace the contents of your shop, like fixtures and fitting, floral displays, mirrors, and employees’ personal belongings, if they’re damaged, lost, or stolen. We offer a range of covers for customers who have stock, or business premises, available to you as standard, with others, you can add as extras if you need them.

Read more about contents cover.

Optional extras

When you choose contents cover, you can also select any of these options, if you’d like them:

• Buildings – when you take contents cover

• Terrorism

• Business equipment

• Legal expenses

Eight great reasons to choose AXA Business Insurance

  1. Online or offline, we’ve got you covered
    We cater for customers who operate retail premises, such as hairdressers or grocers, or other retail businesses online or at home. So whether you’re online or on the high street, we’ve got you covered.
  2. Cover you can trust
    AXA Business Insurance is part of the AXA Group, one of the world’s largest insurance companies – and 92% of our customers rate our services excellent or good on independent online review system, Feefo.1
  3. Free seasonal increase
    We know you want to increase your stock at your busiest times of the year. So we’ve given you a free 30% increase in stock cover – at dates of your choice – when you select contents cover.
  4. Quick and easy quote
    We know you’re busy. And we know you’d rather not spend too much time looking for insurance. That’s why our quote is quick and easy to use and tailored to your needs – so you don’t need to waste your time answering questions that aren’t relevant to your business.
  5. Award-winning customer service
    Whether you have a general enquiry or need to make a claim, we have a team of advisers waiting to help at our award-winning UK-based call centre.2
  6. Someone to help you when you need it
    As accidents and incidents don’t only happen between 9 and 5, we provide a free 24-hour emergency helpline. A legal and tax helpline, providing free advice, is also available Monday to Friday between 9am and 5pm.
  7. Here for you when you need us most
    Our award-winning claims service3 can help make a difficult time a lot easier – and once you’ve made your claim, you’ll be able to track the whole thing from start to finish online.
  8. Broken glass? Not to worry
    We offer a 24-hour glass replacement service as part of our contents insurance, which can fix windows, doors or partitions when you have chosen to insure your contents.

Our customers say...

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About us

Keep your company up-and-running no matter what with AXA’s business insurance. We offer flexible, tailored cover to help sole traders, self-employed people and small and medium-sized businesses grow.

Landlord? We’ll protect your commercial or residential property. Use a van? Stay on the road with our comprehensive van insurance.

Running a business is hard work. That’s why we keep insuring one simple.

1 Rated 4.6/5 based on 16,854 total reviews. Figure accurate as of 25/01/2024.

2 In October 2013, AXA Business Insurance won Medium Contact Centre of the Year at the European Call Centre and Customer Service Awards.

3 Following the 2011 riots in the UK’s major cities, we were recognised with a leading industry award for the quality of support we gave to affected businesses (July 2012, British Insurance Awards, Major Losses category).

Offices are open Monday to Friday, 8am to 6pm. Excludes bank holidays. Closed Saturday and Sunday.