Happy shop owner smiling inside his store.

Shop and Salons Insurance

At Higos, we understand that no two shops or salons are identical. Whether you’re the owner of a local independent shop or a chain of high street stores, a hair and beauty salon or a barbershop, we can provide the specialist shop insurance and salon insurance you need.

Our Shops and Salons Insurance cover includes:

  • Public liability
  • Employers liability
  • Product Liability
  • Stock
  • Business interruption insurance
  • Loss of license
  • Shop front and glass cover
  • Loss of money

This is on top of being able to insure your general commercial risks, such as buildings and contents insurance.


Call us on 01458 270323 or click the 'Request a call back' button to discuss your shops and salons insurance needs.

If you are an existing Higos customer, please contact your branch.


Interior of a stylish beauty and hair salon.

We get to know you and your business

From small independent businesses to large corporate chains, our insurance solutions are tailored to your shop or salon’s precise insurance needs. Using our experience and expertise, our highly skilled, knowledgeable shops and salons insurance team will take the time to get to know you and your business. We can then assess the specific risks you face before providing a programme that’s entirely tailored to your business. We’ve developed excellent relationships with over 280 insurers, from AXA to Zurich, and will never try to sell you a ‘one-size-fits-all’ solution.

Shop-owner smiling inside a plant store with multiple interior plants in the background.

Who needs Shops & Salons insurance?

At Higos, we can provide shop-owner insurance and salon-owner insurance for a variety of different businesses:

  • Book shops
  • Florists
  • Barbers
  • Beauty & hair salons
  • Nail salons
  • Clothing stores
  • Convenient stores
  • Butchers
  • Greengrocers
  • Bakeries
  • Arts & crafts
  • and many more…
Shop-owner smiling at the camera from behind the till of a clothing shop.

Exceptional claims management when you need it most

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

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

Contact us Higos

Contact us for independent advice on shops and salons insurance from your local branch.