"We work closely with you to understand your business and then design insurance packages in accordance with your specific requirements that best protect your property, business, staff, stock and customers at competitive premiums. As you are in personal contact with your customers and suppliers, public liability insurance should be a priority. However, there are a few other equally important shop insurance covers you ought to consider." 

Key Features:

• Public & Products Liability
• Work away cover extension for Delivery & Collection
• Employers Liability
• Accidental damage available
• Stock, contents, machinery and computer equipment
• All Risk contents & stock extension UK-Worldwide
• Buildings cover
• Shop frontage, glass & signage
• Business interruption / Loss of income
• Goods in Transit
• Terrorism
• Legal expenses
• In-house support in the event of a claim 

We design a full range of insurance solutions for wide variety of UK retailers including:

Please note this list is by no means exhaustive and should your particular business not appear here please call to enquire.

• Supermarkets
• Florists
• Jewellery Shops
• Bookstores
• Off Licences
• Laundrettes & Dry Cleaners
• Builders Merchants
• Convenience Stores
• Tack Shops
• Clothing Retailers
• Butchers, Bakers & Fish mongers
• Bicycle Retailers

Policies vary from insurer to insurer however No Claims Discounts are available up to 25% with certain insurers to clients who have had no claims for 5 + years.

"We have used Shearwater for the whole range of our insurance requirements for many years & have always found their service quality & responsiveness to be exceptional".

Sian Smith of Stile Fashions Ltd

In the event that you may need to make a claim, even if you are unsure that the incident will lead to a claim, it is vital to notify the office as soon as possible after the incident has occurred.

UK Telephone: 01992 707316

With Shearwater we are always on call to help and we know that an incident does not always occur Monday to Friday 9-5. That is why a member is staff is on call outside of office hours to offer advice and support whenever you need it.

We have a dedicated claims handler who is your first port of call in the event of an incident. As soon as we have checked that your claim is covered by your policy, we will get the process moving.

In all cases we look to deal with your claim as quickly and efficiently as possible and will keep you informed of our progress.