Shop & Office Insurance

Shearwater build from the basic essential covers of shop insurance and office insurance for a policy that’ll work hard for your business.

Protection That Meets Demand

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.

  • 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

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.


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

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.

  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

Get A Quote Today

For professional insurance that means business.  Phone us today on 01992 718666 or request a quote online.