Shop & Retail Policies

Shop Insurance

Our panel of insurers has policies available designed specifically for shop owners, and B&M has been helping shops all over Greater Manchester get the most competitive policies for over 25 years with high levels of standard cover.

Based in Bury, Greater Manchester, our team has over 35 years combined insurance expertise giving you confidence that you will be supplied with a tailored policy just for your shop's unique needs.

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Shop & Retail Insurance

Hassle Free & Tailored To You

  • Initial Enquiry

    Contact our team on 0161 763 8222 or enquire online.

  • Identify Needs

    Our team will will discuss your requirements.

  • Compare Quotes

    We will provide competitive quotes tailored to you.

  • Optional Extras

    Choose from a wide range of options for other risks.

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Compare shop quotes today

When it comes to obtaining cover, we understand that your shop is specific and carries its own set of unique challenges and risks. Finding the right policy shouldn't be hassle free and easy, which is why our experts are at hand to answer all your queries and tailor a policy for you.

Types of cover

We will go through your business requirements with you, but we would recommend core covers for your shop, such as public liability insurance and employers liability insurance. You can tailor and add extra policies such as goods in transit or stock insurance, we will guide you through this.

Why B&M Insurance

  • Insurance provided by leading UK insurers
  • Everything is run from our offices in Bury
  • Trusted by over 3000 Manchester businesses
  • Tailored quotes to your specific needs
  • Quote comparisons from multiple insurers
  • Over 25 years providing excellent service

Core shop policy cover

Public liability insurance

This is extremely important when dealing with members of the public either face-to-face or online. If a customer is injured or involved in a fatal accident as a result of your business operations, you will need insurance to cover the cost of compensation claims brought against you. It also covers damage towards a customers property as a result of your business operations.

Employers' liability insurance

If you employ staff, it is a legal requirement to carry employers' liability insurance. If a member of staff is injured or falls ill and you are found to be negligent, the cost legal proceedings could damage your business if not insured, not to mention you can also receive a fine of up to £2500 per day that you do not carry a valid certificate for employers' liability.

What will my shop insurance cover?

Designed to cover your assets, customers, employees and stock

Shop insurance is important if you are running a business either in a physical location, or online. It's imperative that you understand what cover you need from your insurance, which is where our 25 years experience comes in.

If your business deals with the public face-to-face or online, you need to cover your risks by applying the following cover options:

  • Stock insurance: If your stock is stolen, damaged or goes missing you will be insured against the cost price in the event of a claim.
  • Contents insurance: This will cover damage to fixtures and fittings of the shop, not items that you sell to customers.
  • Buildings insurance: If structural damage occurs, including the roof, walls, ceilings, floords, doors and windows, you will be covered against the rebuild cost to get your business back up and running.
  • Loss of license insurance: If you are licensed to sell alcohol and lose your license, this additional policy will cover you if the license was lost through no fault of your own.
  • Goods in transit: As the name suggests, additional cover will protect any items of goods you have in transit between the supplier and your shop.

Obtain the correct level of cover

Tailored to your shop

At B&M Insurance, our shop insurance cover can be tailored to fit your individual business challenges, ensuring you are fully protected and are only paying for what you need. So how do you know what the right level of cover is for you?

Our expert advisors will guide you through everthing you need based on your shop or retail outlet. It is important you let us know what you are stocking as there are different levels of cover for different types of goods.

Client Testimonials

ARC Childrens Home

"I have relied upon B&M's expertise and knowledge for insurance for many years. Their focus on proactive, professional customer service has been a great benefit to our company. Gareth and the rest of the staff at Insurance Price have taken the hassle factor out of insurance needs. I would highly recommend them to anyone who appreciates service way beyond the norm."

ARC Children's Home Surrey

"I just wanted to send a note to thank you for all of the work you have done for General All-Purpose Plastics over the years. You have consistently guided us in a professional way through the complex and seemingly ever changing world of insurance. We trust you to ensure that you find us the most appropriate policy for our needs, with an insurer who is well established and efficient and at a price which is competitive."

General All Purpose Plastics Blackburn

Meet The Team

Gareth Williams

Gareth Williams

Gareth has a solid 20 years experience, holding a Certificate from the Chartered Insurance Institute (CII).


Kevan Haughton

Kevan is has knowledge and experience in all industries having worked with businesses for over 25 years. Certified by the Chartered Insurance Institute (CII).


Ryan Hinnegan

Ryan joined B&M Insurance after graduating in 2003, dealing with the administration of the insurance policies we offer to our clients.


Rebecca Watkins

Rebecca graduated in 2012 and has worked with B&M ever since. She is currently studying for her Certificate in insurance via the CII.