Would you agree that, to find the right policy for your specialist food shop, you could compare quotes from multiple insurance providers?
Shop insurance for a specialist food shop can be complex but getting the right policy at a good price can be easy thanks to a network of specialist brokers.
Is buying my specialist food shop insurance through this site advantageous to me?
You could have the option of selecting more than one insurance company or broker. There are many brokers on the panel, all working independently, and who have their own connections with insurers, so by dealing with them you could choose from a larger number of policies.
What's the benefit of using a broker for buying my insurance? Aren't price comparison sites more efficient and less expensive?
Comparing prices on a comparison site is great with simple policies such as car or home insurance. However, any type of business insurance is far more complex as everyone has different types of shops, staffing levels, products, financing, locations, and many other variables.
Therefore, you should talk to a broker if you are looking for the most suitable insurance policies for your business. A good broker will know how to find the most effective and economical policies at the best price.
Prices on comparison sites are usually free, but don't brokers charge for their what they do?
Insurers are charged, by price comparison websites, large fees for every policy they sell. Also, many will not display quotes from insurers that don't pay them a commission, so you may miss out on good deals.
Although most brokers receive a commission from insurers, the premium they charge is usually the same as it would be if you bought the policy directly from the insurer.
However, some insurers do not pay commissions, in which case the broker would charge you. Nevertheless, because no commission is added to the premium, your total payment can be still within your budget. Furthermore, no-commission insurers often provide more attractive insurance plans at lower cost.
Lastly, an experienced broker might be able to suggest cheaper ways to save money on your shop insurance, compared to a price comparison tool.
Does my specialist food shop need insurance?
Many brokers can recommend policies that cover many different risks. Some of these policies are quite useful and could be considered a good choice. These include: - theft, fire, flood, and other types of property damage.
A certificate of Employer's Liability insurance must be visible to your employees if they are injured or while working for you, and it is usually a legal requirement if you hire staff. This protects your employees if they are hurt or injured while working for you.
Public liability insurance isn't legally mandated, yet some believe it should be. It protects members of the public who are hurt or suffer financial losses as a consequence of your business activities.
Whether you own or lease your shop, Buildings and Content Insurance can cover damage to the structure, fixtures, and fittings caused by perils such as fire, vandals, flood, or impact damage.
It may also be beneficial to get insurance to protect your stock, your reputation, your own health and safety, or your business from being forced to close due to factors beyond your control.
Don't wait. Please fill in a few details on a short form to receive quotes. You may be pleasantly surprised by the specialist food shop insurance quotes you receive!
How it works
- You fill in a simple form, giving some details of what you are looking for.
- Depending upon your requirements, selected brokers from the panel will be asked to collect quotes for you.
- You will receive broker quotations to compare.