Retail Insurance

Encompass products sold across any platform with our custom Retail Insurance packages for both high-street and e-commerce retailers.

If you sell products, then you should have Retail Insurance. Whether it be online, in a shop, or both, SJL Insurance Services can provide you with a bespoke policy suited to your needs.

Our retailers’ insurance policies can cover you for your goods, your customers and any employees that you may have. If you sell items online or in a shop and want to avoid any unforeseen costs from damaged or stolen stock or claims made against you by customers and staff, then Retail Insurance is the ideal cover for you.

Retail Insurance is suitable for the following business types:

  • Online shops
  • Wholesalers & Importers
  • Shops & Trade Counters
  • Specialist and niche products

Because we understand how unique different retailers’ can be, we know that a one size fits all approach won’t work. That’s why we get to know your business before providing you with the best insurance product, tailored to you.

Want to speak to a member of the team? Contact us to find out how we can cover your retail business.

  • Award Winning In-House Claims Team
  • Lloyds of London Commercial Broker
  • Independent Broker Since 2001


If you sell products online, you’ll want to ensure that you and your goods are protected. The correct online retailers’ insurance can offer cover for theft and damage of stock, the safety of those who purchase your products and your business should anything go wrong with the items you sell.

Despite not having a physical shop front, by selling products online, you are still predisposed to issues common to retailers and shops. Having online retailers’ insurance can mean the difference between your business surviving or not.

One small claim can cost your business a significant amount of money. Having the correct retail insurance policy in place provides you with peace of mind that you’re protected should anything go wrong, leaving you to get on with running your retail business.



Retail Insurance is cover to help protect your business, employees and products when you sell items across any digital or physical platform.

Even if you don’t sell a large number of products, it is still important to protect yourself from the risks that can come with manufacturing, possessing, storing and sending products.

Retail Insurance can include cover that suits your business and help cover unexpected costs from issues that might arise from selling items. It can include cover such as Employers Liability Insurance (which is a legal requirement if you employ any people in your business), Buildings and Contents Insurance, Business Interruption protection and Product Liability Insurance. If you sell specialist or niche products, we can provide Specialist Retailers’ Insurance, designed specifically for your individual requirements.

The teams at SJL Insurance Services design policies specifically for your business, ensuring you’re only paying for the cover you need. With over 20 years’ experience in business insurance, SJL Insurance Services have the expertise and knowledge to help you choose the best insurance policy for you.

Find out more about SJL Insurance Services.


Retail Insurance works by covering the potential risks you’re likely to come across by selling products online or in a shop.

At SJL Insurance Services we build bespoke policies for our clients, getting to know you and your business before finding you the perfect solution. If you sell products online only, then you may not require public liability insurance.

Retail Insurance can provide cover for yourself, your products, your customers and your employees in one simple policy. Our Retail Insurance products can include:

  • Employers Liability Insurance
  • Buildings and Contents Insurance
  • Product Liability Insurance
  • Public Liability Insurance
  • Business Interruption
  • Stock Insurance

To start building your perfect retail insurance policy today, please contact SJL Insurance Services for your free, no obligations quote. Alternatively, you can get a quote here.



At SJL Insurance Services, we have access to a large number of insurance products and are able to create policies for each business’ individual needs. Unlike off-the-shelf insurance products, we work with you to build a unique policy, meaning you only pay for cover that you need.

The level of cover you require for your business and the different types of insurance wanted will determine the cost of your policy.

If you would like to find out what insurance product would work best for your business then please complete our get a quote form or contact us on +44 (0) 1905 27775.

Get a Retail Insurance quote for the cover you need,
and have peace of mind knowing that you're protected.

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