Is public liability enough for a shop?

Public liability covers customer injury and third-party damage, but most shops also need stock, buildings, business interruption and employers liability — which is why a combined shop policy is usually the right structure.

Do I need business interruption cover?

If a fire or flood stopped you trading, business interruption replaces lost income and ongoing costs. For most shops it is the difference between a setback and a closure.

Do I need employers liability?

Yes — it is a legal requirement as soon as you employ anyone, including part-time and casual staff, with fines for trading without it.

Is stock covered away from the premises?

Stock in transit and at other locations can be added; the standard policy covers goods at the insured premises.

How is shop insurance priced?

On your trade, stock value, location, turnover and claims history — a named broker places it with insurers who want retail risks.

Shop insurance · Leicester

Shop insurance in Leicester

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Leicester's retail centres on the Highcross and the city's large market, serving a wide catchment, with a strong independent and food-retail trade. Shop insurance for a Leicester retailer turns on stock, deliveries and footfall.

Where the risks come from for Leicester shops

City-centre and market units carry footfall, theft and glass exposure. Stock moving to and from the shop — deliveries, restocking, goods in transit — is an exposure of its own. Dense buildings share fire and water risk, and food and seasonal retail add deterioration and stock-peak exposure. Money and takings round it out.

A Leicester example

A consignment of stock bound for a Leicester shop is lost when the delivery vehicle is broken into on the way. Shop insurance, with goods-in-transit cover, meets the stock lost in transit — the exposure a retailer carries the moment stock leaves the supplier and before it reaches the shelf.

What shop insurance covers

Shop cover brings together stock and contents (fire, theft, accidental damage), business interruption for lost income, public and products liability for customer injury, employers' liability for staff as the law requires, and usually money and glass — with goods in transit and stock deterioration added where the trade needs them. Buildings cover applies for owners and responsible tenants.

Placing it in Leicester with Apex

Apex, FCA-authorised under firm reference 724952 and broking since 2009, reaches over 30 markets including Lloyd's via wholesale. A Leicester retailer moving stock regularly gets a named broker who adds transit and deterioration cover where it is needed, not a fixed package.

Leicester commercial quote

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Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 724952. Registered in England and Wales, company number 07014570. Trading address: QCS, 53 Queen Charlotte Street, Bristol BS1 4HQ · Serving tradespeople in Leicester and the wider region.

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