Retail & Ecommerce Insurance
One customer becomes another. A first order becomes a loyal following. The right cover helps protect the business as more people choose what you sell.
Retail businesses can operate in very different ways.
A high-street shop may have customers and employees on-site every day, while an ecommerce business relies more heavily on websites, online payments, deliveries and customer information.
Your insurance should reflect where you trade, what you sell and how customers interact with your business.
For businesses including:
Choose the protection that's relevant to your business, your customers and the way you trade.
Helps protect against eligible claims involving injury to other people, damage to their property or products you sell or supply.
View Cover →Helps your business respond to cyber attacks, data breaches and digital disruption.
View Cover →Protection for employee injury or illness, and legally required for most UK employers.
View Cover →Support with certain employment, contractual and other covered legal issues.
View Cover →Protection against eligible claims arising from professional advice, designs or services where relevant.
View Cover →Helps protect directors and senior decision-makers against certain claims arising from management decisions.
View Cover →The risks around a retail business can start before the sale and continue afterwards, through customer visits, the products you supply, the systems you use and the people who work for you.
A slip, trip or other accident involving a customer can result in a claim against the business.
A customer may allege that something you've supplied caused injury or damaged their property.
Websites, payment systems and customer accounts can expose the business to cyber attacks, data breaches and interruption.
Taking on staff creates workplace responsibilities and, for most employers, a legal requirement for Employers' Liability Insurance.
Moving online, opening additional premises or expanding your product range can introduce risks that weren't part of the business before.
See the cover options available for your retail or ecommerce business and build your quote online.
Eligible policies include access to practical legal support and business resources to help with the everyday challenges of running your business.
Speak to qualified solicitors about business-related legal issues, including employment law, health & safety, contracts and other everyday legal questions.
Access ready-to-use contracts, policies, procedures, guides and templates designed to help with the practical and legal side of running your business.
Still not sure? Call us on 01225 284968.
The cover that's relevant will depend on what you sell, where you trade, whether you employ people and how your business operates. Public and Products Liability, Cyber and Employers' Liability can all be relevant.
Products Liability is included with eligible online Public Liability cover, subject to policy terms, conditions and exclusions.
It can still be relevant. Selling online doesn't remove the potential liability associated with products you supply or your interactions with other people.
Online businesses rely heavily on technology and can hold valuable customer information.
It's legally required for most businesses employing people, subject to limited exemptions.
Many eligible home-based businesses can arrange business insurance online. Your quote will reflect your business and how you operate.
Online insurance available through Captivo is provided by Markel. You'll see full insurer and policy details before you buy.
Protection for a retail business with more customers to win.
