Independent retail guides
Looking to boost your independent retailers business? Check these guides out.
Guides for independent retailers
Opening a shop?
Have you considered these six independent retailer startup costs?
Stock take stress?
Master your next stock take with our comprehensive guide.
Need a business boost?
Give your business a leg-up and increase sales with these 11 tips.
Cybercrime concerns?
Learn how to combat the continuing threat of retail cybercrime.
Looking for some extra reading?
Here are some more independent retail guides, Q&As, business insurance information you might find helpful:
- Importing and exporting for online retailers
- How to choose a product to sell online
- Barriers to success for dropshippers
- What's it like to start an online business?
- How to start a candle or wax melt business
- A guide to keeping business records
- What is business turnover and how do you calculate it?
- What online retailers need to know
Insurance for independent retailers
Public liability
When facing third-party injury or property damage claims, this can help with legal and compensation costs.
Product liability
If your product injures someone or damages something, this cover is designed to help with the costs.
Employers' liability
Often required by some UK businesses; covering you and your team for work-related illness and injury.
Commercial legal protection
Get access to legal expertise in the event of a claim or dispute. Also known as legal expenses insurance.
Online retail cover
Advanced protection relating to your online operations, which can be extended to clients and suppliers too.
Additional covers
Business interruption
Cover for lost income due to physical damage to your property such as a flood.
Shop front
Cover if your shop front is damaged, including the glass.
Terrorism
Cover if there is interruption to your business caused by terrorism.
Theft by an employee
Cover for theft of stock or contents, including money, by employees.
Deterioration of stock
Cover if your frozen or chilled stock deteriorates in the event of power failure.
Goods in transit
Cover if your stock is damaged or stolen while in transit.
Other useful information
Retail law
What you need to know as a shop owner?
Increasing sales
Discover how to increase sales and keep business booming.
Suppliers
How do you pick the right one? Consider these tips.
Ecommerce
Which ones are the best for online retailers?
- 10 Jun 20252 minute read
Are you looking after your most important tool?
From hammers to hacksaws, you use many different tools to do your business. None more frequently or as important than… you.
- 12 Dec 202411 minute read
Key business dates for 2025
Get prepped for the year ahead with our business calendar, including tax and reporting deadlines, marketing days and changes to business rates.
- 12 Dec 202411 minute read
Key business dates for 2025
Get prepped for the year ahead with our business calendar, including tax and reporting deadlines, marketing days and changes to business rates.
Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.