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Cycle Shop Insurance

We make arranging bike shop insurance simple and hassle-free

We compare quotes from leading insurers

Insurance for cycle & bike shops

Running a bike shop often requires a lot of multitasking. Such a specialist trade requires bespoke insurance. With customers to serve and bikes to repair, you need simple hassle-free bicycle shop insurance so you can work without worry.

Running a busy shop isn’t always a nine-to-five occupation, and finding time to compare shop insurance quotes can be challenging. That’s why we’ve made it easy for you to compare quotes from some of the UK’s leading insurers so you can get a great value policy in a matter of minutes.

Whether you’re retailing or repairing, servicing or supplying parts, you need protection in case something goes wrong. With high-value stock and a high footfall of customers protecting against the unexpected is essential. We understand the risks you face and are committed to finding tailored bike shop insurance to meet your needs.

If you know the covers you need you can compare quotes online in just a few clicks. However, if you’re looking for some professional advice or your needs are more complex then give us a call. Our retailer insurance specialists are on hand to make expert recommendations for your bike shop insurance needs.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

Cycle & bike shop insurance cover in detail

What is cycle & bike shop insurance?

Bike shop insurance is a simple way for cycle shops to buy various types of insurance covers in one package to protect your shop when something unfortunate happens.

Having insurance to protect you financially against accidents, mistakes, theft, damage and legal fees is essential to provide you with peace of mind when running your retail business.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:
Busy high street

Public liability insurance

When you’re running a busy bike shop protecting your staff and your customers must be a top priority. Public liability insurance can protect your business financially against claims from third parties for injury or damage to property. A slip, trip or fall could result in a costly compensation claim against you so by including public liability in your bike shop insurance policy you can be safe in the knowledge that should something unfortunate happen, you’re covered.
Cycle shop staff

Employers' liability insurance

If you employ staff then you will need to take out employers’ liability insurance. Accidents can happen when you least expect but by taking this cover you can protect yourself financially against claims from employees for injury or damage to property.
Buildings on a high street

Property covers

Protecting your assets is essential, particularly if you’re running a bike shop you should consider buildings, contents and stock cover. Bike frames can run into thousands of pounds and equipment doesn’t come cheap either. If you’re looking after customers’ bikes while they’re in for repair then this cover can be extended to include goods held in trust. Property insurance can protect against fire, flood, theft and much more.
Shop door displaying an open sign

Business interruption

No one ever expects the worse to happen, but when it does the effects can be devastating. Business Interruption insurance can protect your income should something unexpected happens that leaves you unable to trade. It covers loss of income and fixed expenses while you get back on your feet following damage to your property. It can even help you trade from another location while you get back up and running.
Solicitors in a meeting

Commercial legal protection

Commercial legal protection will typically cover a number of defined events, from tax and VAT disputes to contract and employment disputes. It can also offer financial protection if someone takes you to court.
Cycle shop owner

Product liability

You might also want to consider adding product liability cover to your policy. This will typically protect you if anything your shop designs, sells, manufactures or supplies develops a product fault that causes injury to one of your customers or damage to their property.

Cycle & bike shop insurance FAQs

Cycle shops can present a high-risk working environment for all those involved from staff to clients to suppliers, meaning bicycle shop insurance is essential. Without the correct cover in place, your shop may be open to claims that could jeopardise your future ability to trade. Having the right insurance can let you focus on the job at hand and work without worry.

Cycle shops can be exposed to a variety of hazards, from fires and floods to slips, trips and falls, meaning there are many considerations to take into account when arranging your bicycle shop insurance.

At Premierline, we offer flexible cycle shop insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your cycle shop, you should consider the following:

  • Public liability – for injured shop visitors or damage to their property.
  • Employers' liability – to protect your shop employees.
  • Buildings cover – to cover for loss or damage to your shop premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.
More information

The cost of your cycle shop insurance will depend on your shop's activities, the location of your bike shop and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope you will never need to call on.

Premierline has many years of experience arranging risk management solutions for independent cycle shops and franchised retailers. So, we arrange insurance for cycle and bike shops that’s designed to offer all the protection you need.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 

Why choose Premierline?

Premierline Insurance Experts

We're Shop Insurance Experts

We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service - We're trusted by thousands of SMEs across the UK
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based  experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”
Household Goods Retailer
Customer since October 2023
4.7/5 stars

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.

Speak to a cycle shop insurance expert

We understand the time pressures of running your own business and the complications of finding the right insurance for your livelihood. That’s why we work closely with our panel of trusted insurers to get you a great value bike shop insurance policy. Finding the right insurance doesn’t have to be difficult. Call us today to make arranging your cycle retailer insurance simple and hassle-free.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

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