Business Insurance for Shops, Restaurants & Offices | SRS Insurance
Business Insurance for Shops, Restaurants & Offices | SRS Insurance
Protect your business with tailored cover from SRS Insurance. Flexible Business Insurance for shops, restaurants, offices, salons, and more.
What Does a Business Insurance Package Include?
A comprehensive policy can include:
Public Liability Insurance
Protects your business if a customer or member of the public is injured or their property is damaged.
Employers’ Liability Insurance
Required by law if you employ anyone, even part-time or casual workers.
Buildings & Contents Insurance
Covers your premises, fixtures, fittings, stock, signage, and business equipment.
Business Interruption Insurance
Covers lost income if your business must close temporarily following an insured event (e.g. fire, flood, or vandalism).
Money Cover
Protects against theft of cash on-site or while being transported to the bank.
Stock Insurance
For retail items, perishables, or high-value goods.
Glass & Shopfront Cover
Essential for shops, salons, and restaurants.
Goods in Transit
Optional cover for delivery or takeaway businesses.
Product Liability Insurance
Protects against injury or damage caused by products you sell or supply.
Legal Expenses Insurance
Covers legal costs for employment, tax, or contract disputes.
Cyber Insurance
Protects against data breaches or card payment fraud.
Example Scenarios Covered
- A customer slips on a wet floor in your café → Public Liability claim
- A fire in your kitchen forces you to close for four weeks → Business Interruption cover
- A stylist burns a client’s scalp in your salon → Treatment or Professional Liability
- A van is broken into during delivery → Goods in Transit claim
- Your retail shop is looted during civil unrest → Stock & Contents claim
How Much Does Business Insurance Cost?
Premiums depend on:
- Type of business and industry risk
- Location and security
- Turnover and number of employees
- Whether you own or lease premises
- Claims history and cover limits
Typical examples:
- Small shops/offices: £250–£750 per year
- Restaurants/salons: £500–£1,500 per year
- High-risk or multi-site businesses: from £2,000+
SRS Insurance works with top UK insurers to find the right protection at competitive prices.
Why Choose SRS Insurance?
- Specialists in SME and commercial insurance
- Tailored cover for shops, restaurants, offices, and salons
- Access to leading UK insurers and competitive quotes
- Expert local support and fast documentation
- Helping businesses stay protected, compliant, and confident
Get a Quote Today
Protect your business against the unexpected with SRS Business Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Specialist & Niche Insurance for Businesses & Individuals | SRS Insurance
Specialist & Niche Insurance for Businesses & Individuals | SRS Insurance
Explore tailored insurance solutions from SRS for every sector — from digital, creative, and property to care, agriculture, and high net worth.
Education & Institution Insurance
Comprehensive cover for schools, nurseries, and tutoring businesses.
- Private School Insurance: Staff, pupil injury, and reputational cover.
- Nursery & Childcare Insurance: CQC-compliant safeguarding and legal protection.
- Tutoring & Coaching Insurance: Liability for professional advice and tuition.
- International Student Cover: Health and travel cover for overseas students.
Legal & Risk Management Insurance
Specialist protection for law firms, trustees, and litigation funders.
- After-the-Event (ATE) Insurance: Covers costs if a legal case is lost.
- Before-the-Event Legal Cover: Protection for tax, employment, and contract disputes.
- Disbursement Funding Protection: Ensures legal cost recovery for complex claims.
- Trustee Indemnity Insurance: Protects trustees of charities and schools.
International & Expat Insurance
Worldwide protection for individuals and businesses operating across borders.
- International Health Insurance: Private medical cover for expats.
- Expat Home Insurance: Protects UK homes owned by non-residents.
- Marine Cargo & Freight Insurance: Safeguards goods in global transit.
- Overseas Travel & Business Insurance: Covers employees and exhibitions abroad.
- Private Client Global Asset Cover: One policy for homes, cars, yachts, and art across countries.
Finance & Credit Insurance
Safeguard cash flow and financial commitments.
- Trade Credit Insurance: Protects against client insolvency or non-payment.
- Surety & Performance Bonds: Guarantees work completion for contractors.
- Loan Protection Insurance: Covers commercial loans in case of death or disability.
Property & Landlord Insurance
Comprehensive cover for property owners and investors.
- Landlord Insurance: Buildings, rent loss, and liability protection.
- Rent Guarantee Insurance: Covers tenant default and legal eviction costs.
- Block of Flats Insurance: One policy for entire buildings or freeholds.
- HMO Insurance: Specialist cover for multi-tenant properties.
- Holiday Let & Airbnb Insurance: Tailored for short-term or serviced accommodation.
- Listed Building Insurance: Protects heritage structures with complex rebuild needs.
- Tenants’ Liability Insurance: Covers accidental damage by tenants.
- Legal Indemnity Insurance: For title defects and legal risks in property transactions.
- Property Portfolio Insurance: Multi-property cover with one renewal date.
- Development Insurance: Renovation and new-build protection.
Building & Development Insurance
Protection for construction, development, and property projects.
- Party Wall Insurance: Covers accidental damage to neighbours’ properties.
- Contractual Liability Insurance: Protects against bespoke contract exclusions.
- JCT Clause 6.5.1 Insurance: Covers non-negligent damage to surrounding property.
- Completion Bond Insurance: Ensures project completion for lenders or housing schemes.
Trades & Construction Insurance
For contractors, tradespeople, and site-based workers.
- Contractors’ All Risks Insurance: Covers site works, materials, and liability.
- Roofers, Scaffolders & Demolition Insurance: Tailored for high-risk trades.
- Self-Build Insurance: Protects personal home builds.
- Latent Defects / Structural Warranty: Covers post-build structural issues.
- Non-Negligence Insurance: Covers damage to neighbouring properties during construction.
Business & Professional Insurance
Flexible protection for every business type.
- Public Liability Insurance: Covers injury or property damage to the public.
- Employers’ Liability Insurance: Legally required for businesses with staff.
- Professional Indemnity Insurance: Covers claims for professional errors or advice.
- Office & Surgery Insurance: Protects your workplace and its contents.
- Cyber Insurance: Covers data breaches, cybercrime, and recovery.
- Directors & Officers (D&O) Insurance: Protects against management liability claims.
- Key Person Insurance: Financial cover if a key employee dies or becomes incapacitated.
- Shareholder Protection: Funds buyouts after death or serious illness.
- Fleet Insurance: One policy for multiple business vehicles.
Care, Community & Charity Insurance
Dedicated to organisations that care for people and communities.
- Domiciliary Care Insurance: CQC-compliant home care protection.
- Supported Living Insurance: Covers supported housing and Ofsted-regulated homes.
- Charity Insurance: Protects trustees, volunteers, and events.
- Hospice & Care Home Insurance: Property and liability cover for residential care.
- Faith Group Insurance: For places of worship and community outreach.
High Net Worth & Specialist Cover
Premium protection for valuable assets and lifestyles.
- High Value Home Insurance: Broad cover for luxury homes, art, and collections.
- Classic Car Insurance: Agreed value for collectors and enthusiasts.
- Marine & Yacht Insurance: Vessels, crew, and third-party liability.
- Private Jet & Aviation Insurance: Aircraft, crew, and passenger protection.
- Aesthetics Clinic Insurance: Treatment risk and malpractice cover.
- Event Insurance: Public liability and cancellation protection for events.
- Goods in Transit / Haulage Insurance: Protects transported goods against damage or loss.
Multi-Policy Bundles
Combine essential covers into one simple policy and save on premiums.
- Tradesperson Bundle: Public Liability, Tools, Personal Accident, Van.
- Landlord Bundle: Buildings, Rent Guarantee, and Legal Cover.
- High Net Worth Bundle: Home, Valuables, Motor, Travel, and Cyber.
- Business Protection Bundle: Key Person, Shareholder, and Group Life.
- Care Sector Bundle: Liability, Medical Malpractice, and Property.
Care, Community & Charity Insurance
Dedicated to organisations that care for people and communities.
- Domiciliary Care Insurance: CQC-compliant home care protection.
- Supported Living Insurance: Covers supported housing and Ofsted-regulated homes.
- Charity Insurance: Protects trustees, volunteers, and events.
- Hospice & Care Home Insurance: Property and liability cover for residential care.
- Faith Group Insurance: For places of worship and community outreach.
Why Choose SRS Insurance?
- Independent UK broker with specialist market access
- Tailored cover across over 40 niche industries
- Dedicated support for claims, renewals, and compliance
- Personal service from our Yorkshire-based team
- Competitive premiums with leading UK insurers
Get a Quote Today
Protect your business, property, or profession with SRS Specialist Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.