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  • What's covered?

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  • Whats covered
  • What's covered?

    Tailor your cover to meet your needs

    With our shop and retail insurance, the only cover we need you to take is public liability insurance, which covers your legal liability for compensation claims from customers or members of the public. After that, just pick and choose the covers you want – and leave the ones you don’t.

    As you tailor your quote and add more covers, you might notice the price of individual covers reduce – because the more you add, the more you could save. With an additional 10% discount for buying online, it’s the protection you’d expect from AXA – for less.

  • Choose from the following covers

    Employers’ liability If you employ people, you’ll need this – it’s the law. It covers your legal liability for work-related injuries or illnesses.
    Contents Covers the value of all contents and stock in your premises – up to the amount chosen by you – in the event of theft, loss or damage. This may be required depending on the nature of your business.
    Buildings Covers the structure of your premises, as well as fixtures, fittings and improvements, in the event of accidental loss, destruction or damage.
    Loss of money Covers you for money that’s lost or stolen from your premises, your home or when you’re carrying it to the bank.
    Goods in transit We'll cover you if your goods are lost or damaged while in transit, either in vehicles owned or operated by you, or carried by a third party like DHL or Royal Mail.
    Business interruption If your business suffers a loss of income after an incident at your premises, we’ll pay you for loss of profit and continuing overheads, including employee wages.
    Accounts receivable Cover for money you’re owed by your customers if your accounting records or other business books are lost due to damage.
    Loss of licence If you lose your licence to sell alcohol through no fault of your own, we’ll cover loss of sales and the reduction in the value of your shop.
    Business equipment Covers you in the event of theft, loss or damage to portable business equipment that you use in or away from your premises.
    Legal expenses Protect your business from the costs of legal proceedings such as breach of contract, data protection, employment and VAT disputes with £50,000 cover for a single claim, and £500,000 cover for all claims made during your period of insurance.
    Terrorism Cover for damage to your premises, and any loss of life, as a result of a terrorist act. This cover is provided by the government-backed Pool Re scheme.
  • Find out more

    8 reasons to choose AXA

    Eight reasons to choose AXA

    We understand small businesses like yours – so we know exactly what you want. Here are eight great reasons to choose our shop insurance.

    Is AXA shop insurance right for you?

    Is AXA Shop Insurance right for you?

    Our online shop insurance covers retailers who work online or on the high street. But sometimes, we might need a little more information to cover you.

  • What our customers think of us

    Our customers’ reviews, independently moderated and managed by feefo

    View all our latest reviews

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    Feefo service rating. See what our customers say about us - new window

    "Top service from a company that has consistently been so. Well trained people based in UK. It doesn't get any better."

  • Sales Enquiries

    0330 159 1504*


    Customer Services

    0330 159 1505*

    Live chat**

    *We’re open Monday to Friday 8am to 8pm, and Saturday 9am to 2pm. Calls are charged at local rate and may be recorded or monitored.

    **Live chat is available Monday to Friday, 9am to 5pm. Please be aware that during busy times, there may be a short wait.