Shop and Office Insurance

In our experience, no two shops or offices are ever identical. So whether you’re the owner of an independent shop, the manager of a chain of High Street stores or the landlord of commercial offices, we can provide the specialist, bespoke insurance service you need.


We get to know you and your business

Our experienced, knowledgeable team will take the time to understand your business and assess the specific risks you face. We won’t try and squeeze you into a ‘one size fits all’ arrangement – we’ll access the most suitable, tailored cover from our panel of over 280 insurers, from AXA to Zurich, as well as exclusive niche insurers.  For many of these schemes we’re able to issue your documents at point of sale and sometimes just one cover is all you need to meet all your requirements.

As well as public liability, employers' liability and product insurance, we can also advise on a range of extra protection, such as business interruption and credit insurance.

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Exceptional claims management when you need it most

Should the unexpected happen, and you need to make a claim, our personal claims advisors will be on hand to help with any immediate assistance you need, get your claim settled quickly and smoothly and recover your losses. So you can keep your business running with the minimum of disruption.

For bespoke advice, award-winning underwriting and exceptional claims management, it has to be Higos.


For independent advice or a quotation for your business

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Our Shops and Offices cover includes:

As well as being able to insure your general commercial risks (such as buildings, contents and liability), we can cover risks specific to your business, such as:

  • Public liability
  • Employers' liability
  • Product Liability
  • Business interruption insurance
  • Money cover
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Free mid-term review

Even if your policy isn’t due for renewal now, we’d be happy to assess your current levels of cover, without obligation and without charge.

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