Retail and Shop Insurance

Retail and shop insurance are City Underwriters Limited specialisms. Offering an extensive range of perils covered with generous material damage sums and highly competitive premiums, we're a one-stop-shop for retail protection.


Get Your Shop Insurance Today

To find out how CUL's shop insurance can help your clients, or to get shop cover, please get in touch. You can call the team on 0800 3081 044 or email us by clicking here.

Perils Covered:

We can cover a huge range of perils, including:

  • Fire
  • Lightning
  • Explosion
  • Aircraft
  • Earthquake
  • Riot
  • Malicious damage
  • Storm
  • Flood
  • Escape of water and oil
  • Impact
  • Theft and accidental damage
  • Subsidence as an optional extension

Material Damage:

Standard Sums insured as per details below but these can be amended to suit your requirements:

  • Business Interruption - £500,000 (12-month Indemnity period)
  • Book of debts - £10,000
  • Employers' liability - £10,000,000
  • Public and products liability - £2,000,000
  • Loss of money - £2,000
  • Glass, shop frontage and signs - £2,000
  • Goods in transit - £1,000
  • Legal expenses - £100,000
  • Deterioration of stock £1,000
  • Loss of licence £100,000

Standard Excesses:

  • Material damage - £350
  • Liability - £500

Get a Shop Insurance Quote Today

To find out how CUL's shop insurance can help your clients, or to get a shop insurance quote, please get in touch. You can call the team on 0800 3081 044 or email them by clicking here.