Appetite guide/Retailers Liability
Broker appetite guideRetailers Liability
Standalone liability for retail businesses — public and products liability, with employers’ liability when it is needed.
Last reviewed 23/10/2026
Who it’s for
Independent RetailersMarket & Concession TradersOnline & Mail-Order SellersPop-Up & Seasonal Shops
Headline limits
Annual turnoverUp to £5,000,000
Public & products liability£1m / £2m / £5m
Employers’ liability£10,000,000 (optional)
What we’re happy to write
- Retail businesses on the Retailers Liability trade list that only need liability cover
- Risks in the Channel Islands and the Isle of Man
What we can’t write
- ✕Risks in Northern Ireland (BT postcodes)
- ✕Businesses with previous claims declared
- ✕Businesses with adverse credit history
- ✕Businesses whose insurance has previously been cancelled or voided
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 retail trade and the annual turnover
- •The public liability limit needed
- •If employers’ liability is needed, the annual wages
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.