Shop and Salon

Cover for individual and multi-location shop and salon businesses, including internet-only retailers who have storage units with no customer access. Your clients will benefit from a range of core covers and optional extras, so cover can be flexible to suit business needs.

Up to 10 locations covered

Overall combined Property/Business Interruption of £7.5 million per location and a maximum of £1,000,000 Stock per location.

Average free product

Reducing the impact of underinsurance if the sums insured selected are inadequate. Subject to maximum sum insured payabale. 

Business Support

Helplines for Legal & Tax, Risk Management and Counselling Service

Product details

Why Aviva Shop and Salon?

Our Shop and Salon cover features a range of benefits to support your client and their business.

  • Quotes available online, supported by Live Chat for any queries
  • Average free Property cover (subject to maximum sum insured payable)
  • Uplift of 20%, or to a minimum of £25,000, for the combined stock, contents and tenants improvements sums insured - extra cover at no extra cost, giving more flexibility at the time of a claim
  • Automatic 20% increase to Buildings Sum Insured (where selected)
  • 30% seasonal increase of stock for November, December and January or any other selected 3 month period
  • Temporary removal of stock to exhibitions anywhere in the EU for up to 7 days
  • Stock in Transit cover of £5,000
  • Money and Assault cover
  • Loss of Income cover of £1 million with a standard 36 month indemnity period with the option to increase to £3 million, plus up to £50,000 for Additional Increased Cost of Working, and for events such as damage at a supplier premises, or to property in transit, which disrupt the business
  • Public and Products Liability cover £5 million with option to increase to £10 million

There's also the option to cover Buildings, Tenants Improvements, Deterioration of Stock, Loss of Licence, Terrorism, Treatment Liability, Employee Dishonesty and Personal Accident.

Terms, exclusions and limitations apply. Please see policy wording for full details.


We recognise the impact a claim can have on your client's business, and aim to get things back to normal as quickly as possible.

You can find out more about our claims process by visiting Our Claims Service page.

Quote and buy

You can quote and buy this product through Fast Trade.
Alternatively, for those clients who do not meet Fast Trade eligibility or have more complex needs, please contact your local trading office.

Visit Fast Trade

Alternative products


Traders without dedicated business premises can select core covers and optional extras to suit their needs.

Retail & Wholesale

Our commercial combined product for larger shop and warehouse businesses requiring higher limits or more complex cover. 

Contact your local trading office for more details.

Commercial Combined

Up to 10 premises and a range of sums insured based on sector. Available through Fast Trade.

Cross-sell opportunities


Flexible motor policy for businesses that have between 1 and 15 business vehicles.

Commercial Crime

Protection against theft or fraud by employees, and if selected, by third parties.

Contact your local trading office for more details.

Group Personal Accident, Sickness & Business Travel

Helps your clients protect their businesses against the effects of staff absences and serious accidental injuries.

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