FCA Authorised & Regulated

FCA Authorised & Regulated

Specialist Cover Quoted within 24 hours

Specialist Cover Quoted within 24 hours

Dedicated UK Insurance Specialists

Dedicated UK Insurance Specialists

50,000 + Active Policyholders

50,000 + Active Policyholders

Why Choose Us for Your Insurance?

What can Livingstones Insurance provide? We offer the following to your customers:

Fast Specific Cover

Fast Specific Cover

We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process

Easy Claims Process

Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever

No mid term fees, ever

As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Customer Rewards

Customer Rewards

Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand

Specialist that understand

We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies

Tailor made policies

We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Customer Service

Customer Service

Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials

Positive green credentials

We support local charities and are making huge strides to reduce our environmental impact as much as possible.
Monthly installments

Monthly installments

To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.

Why Do You Need Shopkeepers’ Insurance?

The short answer is that you can never account for the unpredictable. Even if you think everything is safe, a freak accident might put you in a tricky position. With Livingstones Insurance, there are no loopholes or hidden fees, meaning you have the protection required to act swiftly.

It’s a Legal Requirement
Without shopkeepers' insurance, you could be fined thousands of pounds if you have employees and customers that you put at risk.
You Can Include Add-Ons
Shopkeepers' insurance is the foundation of your coverage, but you can add-on as many extras as necessary, such as building, business interruption, and product liability cover.
People Feel Safer
Shoppers feel safer entering premises that they know are properly licenced and regulated.
You Can’t Stop Everything
Accidents are inevitable. However, how you react and fix the problem isn’t. Comprehensive shopkeepers' insurance enables you to move quickly to limit the damage.

What You Need to Know About Shopkeepers’ Insurance

Find out the answer to the most frequently asked questions below.
What Are the Features of Shopkeepers’ Insurance?
Every policy differs, but you should expect to find public liability, building insurance, rebuild cost, and content insurance features included within a deal.
What Is Business Interruption?
Business interruption cover pays the things you can’t if you need to close for any reason. During the pandemic, millions of shop owners worldwide have been relying on their policy to cover wages and overheads.
What Are Package Policies?
They involve more than the standard elements in a basic package. For instance, you might want to insure your windows as they could be smashed or damaged. Alternatively, you can include legal cover to pay for any fees regarding legal action.
Do I Need It?
Yes. Shopkeepers' insurance is the law, which means you can be fined up to £2,500 if you are caught running a premise without the necessary permits.

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