Insurance for Shops

Quick, comprehensive insurance cover for shops

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As you can appreciate, the nature of any shop means that there are a lot of people coming and going every minute of the day. From browsing members of the public, to busy members of staff, on-site accidents can happen easily. To protect yourself, your business, your customers and your employees, our comprehensive insurance for shops covers you for any unexpected events or expenses associated with your business. What’s more, it also protects your premises, stock and business equipment.



Simply tell us what you cover you want and receive your quote within 5 minutes in most cases.


We use our knowledge, experience and relationships to get the best quotes with no hidden costs.


No two businesses are the same so no two policies are either. We tailors yours to your needs.

Protecting members of the public

Public Liability Insurance gives businesses cover if a customer or member of the public becomes injured, ill or even dies as a result of an incident connected to that business. In the case of tradesmen like you, this could be someone slipping on uneven surfaces, tripping over tools or being hit by falling objects.

Protecting your property

Commercial Property Insurance covers you for things like buildings and contents; damage to grounds; public liability; and commercial legal protection. It also covers you for areas like rent, rates, salaries, gross profits, increases in your cost of working and alternative premises hire. And, in the event of a fire within your premises, it can pay for reinstatement of your building, stock, fixtures and fittings.

Protecting your employees

Employers’ Liability Insurance gives you cover if an employee becomes injured, ill or even dies while they are employed by you and your company. As you know, no matter how hard you try to reduce risks, accidents often happen on busy sites. It also covers you should an employee look for expenses or damages following an incident connected to your business.


Am I required to have Employers’ Liability Insurance?

No. There is no statutory requirement to have Employers’ Liability Insurance in Ireland, however many contracts may stipulate that you may require this type of cover

I have an ATM in my shop. Am I covered for this?

Yes. Once you simply tell us about it, Sound Insurance will organise cover for your cash in your ATM both during and outside of business hours subject to specified policy limits.

Should I have Public Liability Insurance?

Yes, we would recommend that all companies, individuals, committees or anyone who interacts with members of the public, take out a Public Liability Policy to protect themselves.

Why choose Sound Insurance?

It’s simple, we’re Sound. Sound people. Sound prices. Sound advice. We know insurance can be a pain to deal with and you have more important things to do. So, if you just tell us what you do and provide a few details, we’ll take care of the rest.

Can I pay by Direct Debit?

Yes you can. We work with some insurers that have their own direct debit facility. That allows you to pay them directly. And for those that don’t, we work with numerous insurance finance providers, which allows you to spread the cost of your insurance over the policy period.

Are Sound Insurance tied to one company?

No, we work with nearly all the main insurers in the Irish and UK markets. That gives us access to over 50 leading insurers.

I need cover straight away, how long does it take?

At Sound Insurance we know that time is precious. So, we won’t take too much of it from you. We do everything over the phone and in most cases, cover can be arranged in minutes, with your certificate being emailed to you straight away.

Why we’re trusted by shops like you

Small businesses like yours are the backbone of Ireland’s economy and deserve the best attention and care from their insurance provider. As a ‘direct broker’, we combine the speed and efficiency of an insurance company, with the insider expertise and customer service of a broker.

Call Us Today

You simply tell us what cover you want. We’ll then contact you to quickly confirm what you need. We’ll then go get your quote and usually get it to you within 5 minutes.

Get your quote