The whole point of retail premises is to get customers into your shop or restaurant and buying things! But having customers tramping through the aisles is a risk. If there’s a box they could trip over, they will. If something could break and hurt them, it will. You might even find your business targeted by a scammer, who “accidentally on purpose” trips over something in store and makes a claim. And if the customers aren’t risky enough, there are the employees.

Retail and catering needs them to lift stuff and handle hot things. The risk of them being injured at work is higher. And because there is more likely to be a lot of cash on the premises, you are more open to employee fraud.

Finally, the premises themselves are your source of revenue. If you lose them you need protection to ensure your business survives, and is back up and running again quickly. Unlike a business based in an office, you can’t just work from home or a hotel. These risks are nothing to be scared of; thousands of shops and restaurants successfully manage them each day. Here are the main types of insurance you can use to protect yourself.