Shop Retail Insurance Packages

Following a number of very difficult years for the Retail Sector, there is finally a glimmer of a recovery… of sorts. Retail Ireland, the IBEC group that represents the retail sector, recently commented on CSO figures published for retail sales in May which showed strong growth, but this is tempered when the impact of car sales is factored out of the data. While the value of sales rose by over 4.1%, sales excluding motor trades and bars rose by 1.1% in May 2014 compared with May 2013. There was an increase of 3.4% in the volume of those sales, highlighting the fact that retailers continue to discount prices to drive footfall. There was strong growth in the sales of clothing and footwear, furniture, lighting and electrical goods. Sales in supermarkets and department stores also rose while sales fell in specialist foods, pharmacies, hardware and book stores. While this is cause for optimism, some retailers continue to struggle. There is also continued pressure from online sales and retailers are having to fight hard to get consumers in the door.

In this rapidly changing environment it’s imperative to have a competitive insurance product that satisfies the needs of the busy Retailer. Even if you have a package, there has never been a better time to get in contact with Future Insurance, whose dedicated team of advisers can find the most competitive tailor-made package for your Retail business. A policy for retail shops will provide full cover for clients in one convenient package including property damage, financial loss and legal liabilities.

Key Benefits/Features

Combined Material Damage and Liability insurance in one convenient package.
Optional levels of cover including Accidental Damage.
Claims settled on a ‘new for old’ basis.


  • Maximum Buildings sums insured – €1,500,000.
  • Maximum Trade Contents sums insured – €750,000.
  • Business Interruption – €635,000 – standard limit.
  • Employers Liability – €13,000,000.
  • Public Liability – €2,600,000.
  • Products Liability – €2,600,000.
  • Goods in Transit – €5,000.
  • Wrongful Arrest – €15,000.
  • Money cover – €5,000.

Cover – Optional

  • Deterioration of Frozen Food.
  • Household Contents.
  • All Risks cover on Neon Signs.
  • All Risks cover on Business Equipment.

Excess – This can vary depending on the type of claim for example – Property Damage €250, Goods in Transit €130 or Deterioration of Stock €65. Check with your Insurance advisor when enquiring about the policy.

Exciting extras

Some policies offer some excellent additional features such as;

  • Seasonal stock increases 50% in respect of peak seasonal business time – FREE
  • Exhibition cover up to 7 days limit to the value of €2,500
  • Computer breakdown cover up to €20,000
  • Fire Brigade charges – Unlimited

Legal Expenses

Legal Expenses cover is also included under the retail policy. Ask your Future Insurance advisor about the details of this cover.

So don’t delay – call today on 1890 549549 to speak to our dedicated team of business advisers or email us at

Remember, your Future is Our Focus!