Retail Insurance

Retail businesses, large and small, make up a significant portion of Northern Ireland’s economy and are often the lifeblood of our communities. We’re proud to provide excellent value insurance for retailers across Northern Ireland, from pop-up shops to family-run department stores, from grocery and convenience stores to e-commerce brands and omnichannel clothes shops.

We work with some of the best-known retail brands in Northern Ireland and have a dedicated team of retail insurance experts to find your retail business the right mix of insurance products at the right price to protect your people and your profits.

What is retail insurance?

As ‘retail’ itself is such a diverse field ‘ retail insurance’ can refer to a wide range of different insurance and risk management products and services.

Typically, our retail insurance team offers products such as:

• Public liability insurance
• Employers liability insurance
• Employment practice insurance
• Business interruption cover
• Commercial property insurance
• Commercial vehicle insurance
• Cash and legal expenses cover

What does retail insurance cover?

Retail insurance can cover any aspect of risk associated with running a physical or online store or a business which trades across both spheres.

If you are a physical retail store or welcome members of the public onto your premises in any way, it would be foolish to not have public liability insurance which protects your business in the event of any sort of accidental injury or damage caused on your property.

While public liability insurance is not a legal necessity, few retailers will own and operate their stores entirely on their own. If you employ even a single member of staff, you must purchase employer’s liability insurance. There are very few exceptions to this rule, for further guidance on what sort of employees may be exempt, call our retail insurance team today.

The insurance products outlined above can protect your business from costs related to compensation, legal expenses and business interruption caused by

• Slips and falls by members of the public on your premises
• Slips, falls and other workplace accidents by your employees
• Malicious or accidental damage to your stock
• Malicious or accidental damage to your premises, fixtures, fittings, vehicles or technology
• Interruption to your business caused by fire, weather or other unexpected events
• Claims of unfair dismissal or discrimination in your employment practices

Who needs retail insurance?

Any company that sells products to the public online or through a physical shop should have some form of insurance to protect its retail business.

At ABL, we have a specialist Retail Insurance team that has years of experience dealing with every type of retailer. They understand this sector deeply and will work with you to create a custom insurance and risk management package to ensure your business is fully protected.

Why choose ABL Group for retail insurance?

A Trusted Partner

ABL Group is Northern Ireland’s largest commercial insurance broker and risk management advisory and we are proud to call some of the country’s best-known retail businesses and most respected institutions our clients and partners.

Local Knowledge - National Buying Power

As a company native to Northern Ireland, we have detailed knowledge of the sometimes complex regulatory framework faced by companies based here. We have detailed experience with cross-border claims for local companies operating across Northern Ireland, the Republic of Ireland, Great Britain and beyond.

ABL is part of Brown & Brown (Europe) Ltd, a leading global insurance broking group, giving us access to a range of insurance products unavailable to many of our local competitors.

People First

We pride ourselves on being a people-focused organisation and put our clients' needs at the centre of everything we do. We understand that every business is unique and your dedicated account manager will work hard to fully understand your needs before sourcing an insurance and risk solution that is customised to you.

An integrated solution

An important aspect of retail insurance is your risk management and mitigation strategies. As an insurance broker with an in-house risk management team, we will work with you to help you identify, understand and mitigate the unique risks your business faces and design a retail insurance policy that will cover the rest.

Whatever your business is, we’ll take care of it.