At a Glance
  • Public & products liability
  • Employers liability
  • Accidental damage
  • Machinery and computer equipment
  • Stock cover including deterioration stock of drugs and vaccines
  • All risk contents & stock extension UK-Worldwide
  • Buildings, fixtures and fittings cover
  • Shop frontage, glass & signage
  • Goods in transit
  • In-house support in the event of a claim
  • Business interruption & loss of income
  • Terrorism
  • Legal expenses

Every office based-business strives for a unique selling point, just as every shop wants to stock the goods and products that are going to appeal to their clients and customers.

The unique selling point of a shop insurance policy and office insurance is that it has been created especially for these businesses and typically includes the type of cover that will give you the best chance of getting back to “business as usual” after a claim, in one package.

Where to start

A shop insurance and office insurance policy will start with the basics in protection and work up from there depending on what the business needs. Nearly every shop, supermarket, florist, laundrette, dentist surgery or office based business will need employers’ liability by law if they have any number of staff, but any business that also welcomes a number of clients or customers should also have public liability in place. Building and contents may also be an essential in any policy, depending on your setup.

The little things that make the policy

From here, it really depends on the business as to what gets added on top. This could mean automatic increase of stock cover for a shop’s busy season, or deterioration of stock such as medicines and vaccines in case a GP surgery loses power.

Protection that meets the demand

Once our commercial team at Shearwater understand what it is you do or offer, we’re well prepared  to provide you with effective expert advice that’s going to give you the most value out of your shop or office protection.

This means sourcing and collating insurance packages that work alongside your requirements to best protect your business premises, operations, staff and customers.


Dear Jeremy

I wanted to make you aware of the superb customer service that I have received over the last 12 months or so from your employee Dan Simpson.

Dan has not only restored my faith in insurers but equally, shown that customer service is flourishing within your organisation. Dan sets the highest of standards and has raised the bar in customer service standards. Through the course of my work I have the opportunity to gain insight into the internal and external operations of many organisations – time and time again, the adage of ‘people make the difference’ is proven to be correct. Dan is most definitely one of those people and as such is deserving of both praise and recognition.

Best regards


Use our online form to request a quote now. Otherwise call our team on 01992 707316 for a chat about your insurance needs

Back to top