Retail Insurance | Comprehensive Cover for Your Business

Running a retail business comes with its own set of challenges, from safeguarding your inventory to protecting against customer claims. At Robison, we understand the unique risks you face and provide tailored retail insurance solutions to keep your business secure. With our coverage, you can focus on serving your customers while we take care of protecting your assets.

What is Retail Insurance?

Retail insurance is a specialist form of business insurance designed to protect shop owners and retailers from common risks such as theft, property damage, and liability claims. Whether you operate a boutique store or a large retail chain, this comprehensive cover ensures your business can recover quickly from unexpected disruptions.

At Robison, we craft policies specifically designed to meet the needs of retail businesses, helping you safeguard your operations and reputation.

Who Does Retail Insurance Cover?

Our retail insurance policies are suitable for:

  • Independent Retailers: From small shops to family-run businesses.
  • High Street Stores: Covering boutiques, fashion retailers, and gift shops.
  • Franchise Businesses: Ensuring consistent cover across multiple locations.
  • Online Retailers: Including e-commerce stores and hybrid businesses.
  • Specialist Retailers: Such as jewelers, antique dealers, and electronics shops.

Whether you sell in-store, online, or both, Robison provides tailored solutions for your retail business.

What’s Included in a Typical Retail Insurance Policy?

A standard retail insurance policy from Robison includes:
Public Liability Insurance
Protects against claims of injury or property damage caused to customers or visitors.
Employer’s Liability Insurance
A legal requirement if you employ staff, covering workplace injuries and illnesses.
Stock and Inventory Cover
Safeguards your stock against theft, damage, or loss.
Property Insurance
Covers your shop premises, fixtures, and fittings against risks like fire, flood, and vandalism.
Business Interruption Insurance
Financial support to cover lost income if your business is forced to close temporarily due to an insured event.
Cyber Insurance
Protects against online risks, such as data breaches and cyberattacks, especially for businesses with an e-commerce presence.

Optional extras like product liability insurance and cover for seasonal stock increases can be added to match the specific needs of your retail operation.

Why Choose Robison for Your Retail Insurance?

At Robison, we understand that your retail business is more than just a shop, it’s your livelihood. That’s why we offer bespoke insurance policies that protect every aspect of your operations, from your inventory to your customer relationships.

Our approach starts with getting to know your business and its unique risks. We then create a policy tailored to meet your specific needs, providing comprehensive protection without unnecessary add-ons. With Robison, you’ll receive clear, jargon-free advice and exceptional support from a team that genuinely understands the retail sector.

Whether you’re looking to cover a single shop or a nationwide chain, our team is here to provide reliable protection and peace of mind.

Protect Your Retail Business Today

Your retail business deserves insurance that works as hard as you do. Robison & Co retail insurance provides comprehensive protection to keep your operations running smoothly, no matter what challenges arise.

Contact us now to learn more about our tailored retail insurance solutions and get a personalised quote.

FAQs About Retail Insurance

While not all types of retail insurance are legally required, employer’s liability insurance is mandatory if you have staff. Public liability insurance is also highly recommended to protect against customer claims.
Yes, Robison offers multi-site policies to simplify cover for businesses with more than one location.
Yes, our policies can include e-commerce cover, protecting both your physical and online operations.
Contact Robison today for a tailored consultation and a no-obligation quote for your retail business.

What Our Clients Say

Roger Ivimy – Private client

Extremely helpful and professional

Lesley Hickman – Business client

We have been with Robison for many years now. We were very grateful for the major savings we made with the transfer to Robison. Every year Simon does an extensive review of the market, and we are very confident that he has come up with the best price. Simon and his team are always available should we need help, also Simon is always happy to talk to our customers if needed.

Fiona Robinson – Private client

This company go above and beyond for their clients. I receive an efficient but more importantly a very personalised service. I have been a client for over a decade now and all my insurance is done through this firm. Marie looks after me and always replies to my questions whatever time of day. As I travel alot it makes all the difference to know “Marie has my back” whatever time of day it is. I was on the receiving end of what I took to be a fraudulent claim scam that was drawn out over a year. I always felt Marie believed me and helped me refute the claim and fight the case. We won in the end but often businesses choose to take the easy option and “roll over” when such a claim is made but these are honourable people with integrity. It is often when things go wrong that you really see the value of the company and particularly so with insurance. This company is still small enough to offer a personalised service and to really care about their clients. Thank you!

Oscar Lawson – Private client

Marie is always at the end of the phone ready to sort out anything I throw at her! Usually, my premiums are lower year on year, and I know she has my back covered. She is personable, always good humoured and gives me the best advice

Jo Hilder – Business client

Very helpful, friendly and knowledgeable insurance broker. Helped me out when I was struggling to find a decent yet affordable policy for doing business with the (rather litigious!) USA.

Rebekah Hart – Business client

Excellent bespoke service from all at Robison’s. Renewals are no longer dreaded now I have their help. Thanks Kerrie and Danny!

David Bridge – Business & Private client

Simon’s role as Managing Director of Robison & Co is characterised by considerable experience in the field of insurance, excellent customer care and an innate understanding of his clients’ diverse and often complex requirements. His advice is pertinent, timely and invariably of a high order and he demands similar standards of his motivated team. Strongly recommended from a business and client point of view.

Kevin Shilling – Business client

These guys are simply the best! Their understanding of my requirements, their diligence in getting sensible and rational quotes, and their all-round professionalism makes Robison & Co a top team, the best team. I use Robison & Co for property insurance, restaurant cover and business travel. If they flew aircraft, I’d fly with them.

Stuart Climpson – Business client

We have worked with Simon and his team at Robison for all our business insurance needs for many years now. The experience and knowledge are nothing short of outstanding. From the start, they always take the time to understand our operations, identified potential risks we hadn’t considered, and tailored a policy that fits perfectly. They are true partners in protecting our business. Their responsiveness, transparency, and ability to explain complex coverage in plain language makes the process smooth and stress-free. Highly recommend to any business looking for reliable, knowledgeable, and customer-focused insurance support.

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