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Are There Any Exclusions with Shop Insurance?

With all insurance policies, there will be a number of exclusions to help define what is and isn't covered. Shop insurance is no different so detailed below are some of the main or most common exclusions that will apply. Each insurers have their own specific exclusions so the below may not apply to some providers.

Buildings Insurance

  • Any damage that is a result of wear & tear
  • Water damage to the property when the building has been unoccupied for X amount of days
  • Damage as a result of theft when there has been no forcible entry

Stock Insurance

  • Where stock is stored in a basement or cellar that is has not been placed on racking/shelving that stands at a certain level above the floor

Products Liability

  • Damage or injury to a person or property attributable to the goods that have been sold to a customer in Canada or the USA

Public liability

  • No cover away from your premises unless your business is involved in outside catering or is carrying out a collection or delivery links to your business

External signs and blinds

  • Neon signs are not covered.

Business Interruption

  • Loss of income as a result of water, gas, electricity or telecommunications failing unless the problem is due to a supply failure at the suppliers premises

Goods in Transit

  • No cover where the vehicle is left unlocked when unattended
  • No cover if the vehicle is not kept at an enclosed premises between 9.00pm – 6.00am
  • The premises must be watched by the likes of a security guard or must be locked


  • No cover if the premises is left empty where the insurance provider has not been informed, which may result in a change in premium


  • If money is left unattended or not kept in a locked safe, the maximum amount that can be claimed will be lower than agreed at the inception of the policy

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SID is owned by APB Media Ltd, an Introducer Appointed Representative of One-Sure Insurance Limited, which is authorised & regulated by the Financial Services Authority (FSA) under firm reference 447730. You may check this on the FSA's register by visiting the FSA's website, www.fsa.gov.uk/register/ or by calling 0845 606 1234. * Take out an insurance policy through One-Sure Insurance Limited and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like for like basis, One-Sure Insurance Limited will cancel the Insurance policy and issue you with a full refund.