To cover you for the key risks facing record shops, you need:

• Public Liability Insurance – This will cover members of the public, including customers, contractors, and delivery drivers, for any accidents of injuries they may experience while visiting your record shop.
• Employer’s Liability Insurance – If you employ any staff then you have a legal duty to get employer’s liability insurance. This will cover your employees for any accidents or injuries they sustain while working for you.
• Contents Insurance – This can cover your stock, equipment, and your record shop’s fixtures and fittings against loss or damage caused by events such as fire, flood, theft, and other insured events covered by your policy.
• Buildings Insurance – This can cover your store premises against damage caused by events such as fire, flood, theft, and other insured events covered by your policy.
• Business Interruption Insurance – If you need to temporarily close your record shop while you recover from an incident, then business interruption insurance can help cover your ongoing expenses for the period of cover specified in your policy.