Newsagents Insurance Quotes & Cover

We compare quotes from leading insurers

Insurance for newsagents and news retailers

Running a business that your community relies on means you need comprehensive insurance as an essential safety net.

You need quick, quality cover in one easy-to-buy policy that’s tailored to your individual needs. But finding time to search multiple sites and make numerous calls probably doesn’t fit into your working day. That’s why we’ve made it easy for you to compare covers and prices from some of the UK’s leading insurers in a matter of minutes.

Whether you’re running a small village shop, a mini market or traditional newsagents; you need protection that’s tailored to your business activities so you can continue to provide those around you with great service and those everyday essentials.

If you know your insurance requirements you can compare quotes and protect your business online in a matter of minutes. If you're unsure what covers you need and are looking for advice, speak to us to get professional recommendations tailored to you.

We’re committed to helping small businesses like yours get comprehensive newsagents insurance to protect against the unexpected. We’ll make arranging your insurance simple and hassle-free.

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If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.

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Newsagents insurance cover in detail

What is newsagents insurance?

Newsagents insurance is designed to cover a range of risks that could lead to financial loss and impact your future ability to trade. There are a number of risks associated with running a newsagent shop, so comprehensive insurance is essential for business continuity.

In addition to liability and property insurance cover, newsagents insurance can offer a number of other covers which you should consider; for instance, there is cover available for loss of money, either during business hours, outside of business hours or when in transit to the bank. You could also consider cover for goods in transit if you collect your own stock, as well as cover for shop front windows and signs. If you have an ATM machine, you can even select cover for the machine.

Insurance covers to consider

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

Public liability insurance

Public liability insurance must be a key consideration to protect you should anything happen to your customers and suppliers while they are visiting your newsagents' shop. If a member of the public injured themselves following an accident at your premises, any compensation awards, medical costs and legal costs can be taken care of with public liability cover in place.

Employers' liability insurance

You will need employers' liability cover if you have full or part-time staff. This safeguards your finances should your employees find themselves in a similar situation, and will typically be covered under your newsagent insurance up to a certain amount.

Property covers for newsagents

Protecting your shop's property is essential for any shopkeeper. You will have fixtures and fittings, contents and stock, as well as buildings to insure against theft, damage, weather events, and other risks that could affect your trading ability. These covers can be combined with your liability insurance covers into one newsagents insurance policy.

Business interruption

If you were to suffer a flood at the premises, for example, that forced you to close for a while, then business interruption cover as part of your newsagent insurance can help tide you over while the damage is being repaired. This will typically cover loss of gross profit, staff wages and fixed business expenses, and potentially help you trade from another location while you get back on your feet.

Commercial legal protection

Commercial legal protection can be included in your newsagents' insurance policy to safeguard against employment disputes and awards of compensation. It can also offer protection against tax and VAT disputes and cover you financially if you, your business partners or employees are summoned for jury service.

Newsagents insurance FAQs

Do I need newsagents insurance?

Without the right newsagents' insurance in place, you may be personally responsible for any losses that occur, as well as any third-party claims that could be submitted against you.

Your shop insurance should be geared up to cover eventualities that could negatively impact your business. As a retailer, you will have contents, fixtures and fittings, stock and potentially buildings that will need to be safeguarded against a number of perils. Your policy can incorporate these, and protect your livelihood against fire, flood, theft, storm damage and a number of other perils that could damage your property and impact your ability to trade. We can even arrange cover to protect your business equipment whilst you are out and about away from your retail premises.

What covers do newsagents need?

At Premierline, we offer flexible newsagent 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 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

How much does newsagents insurance cost?

The cost of your newsagent insurance will depend on your business activities, the location of your shop and the amount and type of covers you require to protect your business. 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.

Why choose Premierline to arrange newsagents insurance?

Any retailer will know that running a busy store doesn’t finish when the doors close for business. There are accounts, deliveries, orders and of course, arranging your newsagent insurance. With so much to manage, the last thing you need is to spend hours comparing quotes to protect your livelihood. You need an insurance broker that understands the risks you face and the covers you need most.

Our expert advisors have years of experience arranging insurance for the retail sector. As a result, they have a thorough understanding of the exposures you face and the covers that can protect you. So we work with a panel of trusted insurers so you can compare quotes and choose the right newsagents insurance insurance for your livelihood.

What type of newsagents do Premierline work with?

Newsagents insurance is designed to cover the retail activities of newsagents, convenience stores, corner shops, post offices, mini markets and many other similar trades.

With Premierline, shop insurance covers can be adapted to best meet your individual insurance requirements, giving you peace of mind to focus on running your business.

What will I need to know to complete my insurance quotation?

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.

How soon will I get my policy documents?

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.

How do I pay for my policy?

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?

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

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

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.

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Speak to a newsagents insurance expert

We understand the pressure of running your own business and how time-consuming it can be. That’s why we are committed to finding the right insurance for your shop at the right price and are here to support you for the duration of your newsagents’ insurance policy.