stylish young woman with shopping bags

Retail Insurance

Comprehensive insurance for Northern Ireland shopowners and multichannel retail businesses.


Retail businesses, large and small, make up a significant portion of Northern Ireland’s economy and are often the lifeblood of our communities. We’re proud to provide excellent value insurance for retailers across Northern Ireland, from pop-up shops to family-run department stores, from grocery and convenience stores to e-commerce brands and omnichannel clothes shops.

We work with some of the best-known retail brands in Northern Ireland and have a dedicated team of retail insurance experts to find your retail business the right mix of insurance products at the right price to protect your people and your profits.

What is retail insurance?

As ‘retail’ itself is such a diverse field ‘ retail insurance’ can refer to a wide range of different insurance and risk management products and services.

Typically, our retail insurance team offers products such as:

  • Public liability insurance
  • Employers liability insurance
  • Employment practice insurance
  • Business interruption cover
  • Commercial property insurance
  • Commercial vehicle insurance
  • Cash and legal expenses cover

What does retail insurance cover?

Retail insurance can cover any aspect of risk associated with running a physical or online store or a business which trades across both spheres.

If you are a physical retail store or welcome members of the public onto your premises in any way, it would be foolish to not have public liability insurance which protects your business in the event of any sort of accidental injury or damage caused on your property.

While public liability insurance is not a legal necessity, few retailers will own and operate their stores entirely on their own. If you employ even a single member of staff, you must purchase employer’s liability insurance. There are very few exceptions to this rule, for further guidance on what sort of employees may be exempt, call our retail insurance team today.

The insurance products outlined above can protect your business from costs related to compensation, legal expenses and business interruption caused by

  • Slips and falls by members of the public on your premises
  • Slips, falls and other workplace accidents by your employees
  • Malicious or accidental damage to your stock
  • Malicious or accidental damage to your premises, fixtures, fittings, vehicles or technology
  • Interruption to your business caused by fire, weather or other unexpected events
  • Claims of unfair dismissal or discrimination in your employment practices

Who needs retail insurance?

Any company that sells products to the public online or through a physical shop should have some form of insurance to protect its retail business.

At Digney Grant, we have a specialist Retail Insurance team that has years of experience dealing with every type of retailer. They understand this sector deeply and will work with you to create a custom insurance and risk management package to ensure your business is fully protected.

Why choose Digney Grant for retail insurance? 

Your Local Insurance Expert

Digney Grant has over 40 years of experience insuring businesses in Northern Ireland. We understand the complexity of cross-border trade and employment and have developed a range of specialist insurance products and services to cover any sort of risk in the UK, Ireland or further afield.

Local Knowledge - National Buying Power

We’re Newry natives and while we operate as an independent company, we are also part of ABL Group - NI’s largest commercial insurance broker and risk management advisory. 

As a group, we are proud to call some of the country’s best-known companies and most respected institutions our clients and partners. 

Digney Grant is also a part of Brown & Brown, Inc., a leading global insurance broking group giving us access to a range of insurance products unavailable to many of our local competitors and the national buying power to deliver incredible savings for our clients. 

People First

Our local insurance experts are part of your community - we live locally, buy from businesses just like yours, know the same people and love the places we all call home. 

We know this place and its people and what it’s like to live and do business here. 

We understand that every Northern Ireland business is unique and your dedicated account handler will work hard to fully understand your needs before sourcing an insurance and risk solution that is customised to you. 

An integrated solution

Digney Grant offers a fully joined-up service. 

Our in-house risk management team can analyse your business and identify risks to help you protect your people, reduce your claims and potentially bring down the cost of your insurance. 

Our local insurance brokers consult with a range of specialist construction insurance companies to create the right package for you and, if the worst happens, our dedicated claims-handling service stands by to assist you and help protect the future of your business.  

Whatever you’re selling, we’ll take care of it. 

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Retail Insurance Enquiry