Appetite guide/Retail Package
Broker appetite guideRetail Package
A complete package for shops and retailers — stock, contents, premises, money and liability on one policy.
Last reviewed 23/10/2026
Who it’s for
Convenience StoresNewsagentsOff LicencesIndependent ShopsSpecialist RetailersHigh-Street Stores
Headline limits
Annual turnoverUp to £5,000,000
Any one premisesUp to £3,000,000 — buildings, contents, stock, glass and business interruption combined
Employers’ liability£10,000,000 any one occurrence
What we’re happy to write
- Shops and retailers on the Retail Package trade list, with or without buildings cover
- More than one premises on one policy — each premises is assessed on its own answers
- Flat felt roofs, including where the whole roof is flat felt — flat-roof terms apply
What we can’t write
- ✕Risks in Northern Ireland (BT postcodes)
- ✕Buildings built before 1750
- ✕Grade I or Grade II* listed buildings (and the Scottish and Northern Irish equivalents) where buildings are insured
- ✕Thatched roofs and living (green) roofs
- ✕New business for Antique Dealers, Mobile Phone and Telephone Sales, Mobility and Disability Aids Shops, Money Lending and Cash Converting, Motorcycle Dealers and Repairs, Second-Hand Stores Selling Jewellery, Security Equipment Retailers and Travel Agents
Needs an underwriter to review
- !Some risks need an underwriter to look at them before terms are released — the portal tells you straight away when that happens.
Have this information ready
- •The trade, annual turnover, and the split of stock — general stock, wines and spirits, tobacco, mobile phones, jewellery
- •Buildings rebuild value (if buildings are insured), contents and stock values for each premises
- •Wall and roof construction, year built and listed status
- •Security: intruder alarm, CCTV, shutters, and whether there is an ATM on site
- •Food hygiene score and total deep-fat fryer oil capacity, where the shop sells hot food
- •Claims for the last 5 years with the date, type and amount of each claim
This guide is a summary of our appetite and is not a statement of policy terms. Every risk is subject to underwriting and the policy wording.