Shop & Retail Insurance

Build your business with insurance that works hard for you

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Why buy shop & retail insurance?

If you own a shop or sell a product across the Channel Islands, Islands can ensure you have the appropriate insurance for your business needs. We have a flexible and extensive range of policies for shop owners covering a whole host of trades such as clothing, florists, jewellers, and food & drink. 

Not having the appropriate insurance can put your business at risk, so give yourself peace of mind that your business and long term income are protected with Islands. Our professional team is here to help give you the protection you need, so give us a call today and get coverage for your business needs. 

Covers & benefits provided

Our shop and retail policy is extensive and designed with Channel Islanders in mind. 

Buildings & Tenants Improvements

Whether you own or rent the buildings you need to consider insurance not just for the bricks and mortar of the property but also any internal improvements you have made, such as internal shop fittings, changing rooms, shelving etc. Any external outbuilding, walls or car parks also need to be taken into consideration when insuring the premises for their full rebuilding costs (including professional fees and the cost of site clearance).

Business Interruption

If you cannot open following severe damage from an insured event - such as fire, flood or storm damage - then this is a massive risk to the business. Ensure you have adequate business interruption cover that will be able to pay outgoings such as rent, wages & overheads as well as keeping the business running until you can reopen. Cover can also be extended if your main supplier has damage to their premises, failure of public utilities or has prevented access to your premises that affect your business.

Employers Liability

If you employ staff, then not only is this a legal requirement, but you have the responsibility to ensure your staff are adequately covered for their daily roles within the business. This can include injury, illness, or legal action against your business. All our policies provide £10,000,000 of Employers Liability cover as standard.

Contents & Business Equipment

When covering your general contents, business equipment, external signs and canopies, don’t forget laptops and mobiles that you may use away from the premises.

Public / Products Liability

Coverage in respect of third party injury and property damage on or away from your premise, and from the goods sold. This is included as standard (at variable limits from £2,000,000 to £10,000,000) within all our policies.

Legal Expenses

An added protection to your business to cover legal expenses such as property damage, legal defence & contract disputes to name a few. Options available with all our shop and retail policies.

Stock in Trade

Coverage needs to take into account not just your general stock but also seasonal increases and stock kept away from the premises at events like trade shows and markets.

Loss of Money

Depending on the levels of cash held at the premises, you need to ensure the policy limits are adequate to mimic this.

Standard Coverage

Your policy will generally cover you for a number of insured events, such as:

  • Fire
  • Lightning
  • Explosion
  • Earthquake
  • Flood
  • Storm
  • Malicious Damage
  • Theft
  • Accidental Damage

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.


You can cancel your policy at any time by contacting us.

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our community

We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.

In-House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

Request a callback

warning Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.
Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney