Shop for SMEs
eTrade via Zurich Online or Acturis
Table of contents
About our Shop product for SMEs
Our Shop package product has been designed to meet the needs of most types of independently-owned retail business.
Core covers
- Material damage
- Business interruption
- Money
- Public and products liability
- Employers’ liability
- Deterioration of stock
- Goods in transit
We also offer a range of optional covers, including legal expenses, employee dishonesty and personal accident cover.
Cover highlights
- Our property cover is average-free
- Material damage cover is on insured perils basis including subsidence, with the option to add “all-risks” cover
- Seasonal stock sum insured of 30% (November, December and pre-Easter)
- Loss of income cover of £2 million per premises as standard with a 24-month indemnity period
- Public and products liability has a choice of limits and includes a data protection extension
What types of business do we cover?
Our appetite includes most types of high street retail business (turnover up to £5 million). This includes:
- Hairdressers
- Barbers
- Grocers
- General stores
- Gift shops
- Wine retailers
- Clothing and shoe retailers
- Hardware stores
- Florists
- Post offices
- Supermarkets
- Newsagents
- Estate agents
- Restaurants
Get a quote
You can get a quote via Zurich Online or Acturis. We’ve been given a five-star rating for both in the Insurance Times eTrading Star Ratings report.
If you don't have an account and would like to trade with us:
If you have an account with us already, just log in to get a quote.
Why choose our Shop product
A claims service your clients can depend on
Our dedicated, knowledgeable and empathetic claims handlers are on hand to help.
- We aim to settle straightforward property claims of under £3,000 within 24 hours
- We’ll put in place measures to minimise the risk of damage caused by future flooding following flood claims
- Your clients will have access to Zurich Support Services, a free and confidential health and wellbeing service, offering support ranging from counselling to debt management. Access to Zurich Support Services is not part of an insurance contract with Zurich, and we reserve the right to withdraw access at any time without notice
We make things easier
No matter how you get in touch, live chat, phone, or email, you’ll always speak to one of our expert SME underwriters. Not a bot.
We provide a range of additional services at no extra cost, including:
- Zurich Risk Advisor
- A risk management advice line
- Commercial legal assistance provided by ARAG (including legal, tax and business advice)
- An online law guide and document-drafting, provided by ARAG
Make a claim
Property and liability claims can be made online or over the phone. Find out more about the process for each claim type.
Property claims
You can make a property claim online via our claims portal, or give us a call.
Liability claims
Read our liability claims guidance or find out how to submit a liability claim.
Zurich Resilience Solutions
With a dedicated team of risk management specialists, Zurich Resilience Solutions can provide organisations large and small with practical tools, expert advice and tailored support to manage and mitigate risk.
Its suite of risk management services can be purchased independently, your clients do not need to have an insurance contract with Zurich.
Working with Zurich
Club Blue
We're committed to forging strong partnerships with our regional brokers. Zurich Club Blue members benefit from a range of support focused on three core pillars: ease of trading, professional development, and future-proofing.
Delegated authority
If you’ve got a scheme opportunity, find out about the support we can offer as a delegated authority partner and how to register your interest.
Resilience risk review for your business
Our business resilience risk review is designed to help identify, assess and manage risks that could impact the continuity and resilience of your business operations as a broker.