"I never believed that sorting out insurance could leave me smiling."

At Primo plc, we like all our clients to feel this way

Shop Insurance

Shop and Salon Insurance

This covers everything you might naturally expect, in addition to some things you might not have considered.

Arranged by Primo plc

Retail Insurance

A policy that offers extensive cover, including £500,000 legal expenses as standard, and has the option to increase the majority of core cover limits.

Single and multiple location retail premises including online traders that have storage but no physical customer access. Typically for businesses that have less than £500,000 in stock and £5 million sum insured per premises.

Your stock-in-trade, money, public and employers’ liability are all included, plus electronic equipment such as cash registers and computers. If you carry high theft-risk stock such as spirits, tobacco or car radios you must declare a separate sum insured for these because they will affect an insurer’s view of what is adequate security in your case.

  • Public Liability

    Up to £10 million public liability. Covers you against financial loss due to a liability claim brought against you for injury or damage to a third party.

  • Employers' Liability

    Covers you for the cost of compensation claims brought about from an employee's illness or injury, That was sustained while carrying out work for you. Employers' liability is a legal obligation if you employ people (unless exempt), and you could be fined £2,500 for each day you're not covered.

Cover Options

Click listed cover for more information.

Key Benefits

  • Comprehensive cover which provides an extra layer of financial protection for your business and reduces your risk of underinsurance.
  • Free guides and advice via our help page
  • Commercial legal protection via some of our insurers that also provides automatic debt recovery.

Let's get you covered as quickly and simply as possible

Your Broker

Always speak to a real person. You will have an assigned broker.


Our brokers ensure obtaining your insurance is simple and straightforward


Correctly covering your business gives you great peace of mind.

Frequently Asked Questions

  • Do I need public liability insurance?

    Whilst not a legal requirement we highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.
  • Is business insurance a legal requirement?

    Most business insurance is not a legal requirement, however, we do highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party or resulting fire, weather related incidents or a break in. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.

    The only insurance that your business is legally obliged to obtain is employers liability and vehicle insurance.

  • Can I pay in monthly instalments?

    You can pay monthly subject to your status and the size of the premium the credit charge and terms will vary.
  • What if I need to change my level of cover?

    As an existing client you can call or email us with any changes during business hours and get advice on the changes you wish to make.

  • If I need to make a claim who should I contact?

    First and foremost always contact your insurer, should you need assistance or advice following that call speak to your broker who will be happy to assist you where they can.

Cover Information for Shop and Salon Retail Insurance

Full description on cover that is either optional or offered as standard with a typical retail insurance policy.

Business Premises

Property cover includes seasonal stock increases, temporary removal and product samples. May also include free increases for contents and buildings sums insured which provides valuable extra protection when needed.

Business Interruption

Loss of income up to £1.5m over 36 months, includes cover for prevention of access, loss of attraction and book debts up to £5,000 with additional increased cost of working up to £50,000.
Covers you for up to £500,000 of legal expenses. Shouls you need legal reprensentation this is excellent cover especially if a claim is brought against you and you need to prove that your business was not at fault.

Money and Assault

Covers loss of takings and banking as well as injuries sustained via being assaulted.

Charity Shop Cover

Covers charity shops for goods donated as well as raffle prizes that are used for fundraising in the United Kingdom up to a value of £1,500.

Treatment Liability

Optional treatment liability is available for hairdressers and beauticians.

Primo plc reviews

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Another year for me with Primo
Your review
Another year for me with Primo. Normally deal with Katheryn, quick and competent service and very reasonable. I no longer shop around for quotes, Primo are the best.
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1 of 1 people found the following review helpful
If everyone did as you do
Your review
Dealt with Katheryn and can honestly say she is a credit to this company.

Thouroughly explained well executed and she delivered on her promise.

Out of the 8 companies i contacted she was the only 1 who did the job right.

Thanks very very much for all your hard work.

If everyone did as you do without trying it wus be a much easier task to obtain insurance.

Warm regards katheryn.
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2 of 2 people found the following review helpful

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Copyright Primo Plc 2018 | All Rights Reserved

Primo plc is registered in England and Wales, Reg No 1008700 at Cumberland House, Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ
Tel: +44 (0)1702 225400

Primo Plc is authorised and regulated by the Financial Conduct Authority.