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 Is Business Insurance?
Business Insurance is a flexible package policy designed to protect your business against everyday risks — including fire, theft, legal claims, or staff injuries.
At SRS Insurance, we build your policy around your exact business setup, whether you run a shop, restaurant, office, or salon, ensuring complete protection and compliance.
Our policies are suitable for:
- Shops & retail outlets
- Restaurants, cafés, pubs, and takeaways
- Hair, beauty, and aesthetics salons
- Offices and consultancies
- Wholesalers, manufacturers, and workshops
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.
Common Mistakes Business Owners Make
- Not updating cover after expanding or renovating
- Forgetting to include Business Interruption cover
- Assuming the landlord’s policy covers them (it doesn’t — it only covers the building)
- Ignoring cyber protection when storing customer data or taking card payments
- Failing to declare temporary closures or staffing changes
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.