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Retail Insurance

Retail Insurance

Looking for a quote for retail insurance? Pick & mix your perfect policy.

Why Choose Us?

From grocers, cafés and corner shops to beauticians and designer boutiques, Watkin Davies’ advisers will assess your business in order to select policies to support every facet of your high street business or online shop.

We can also support multi-platform businesses with a unique combination of policies selected just for you.

What Can We Cover?

Corner Convenience Store

Stacked to the ceiling with fresh and store cupboard produce, shop stock represents a lot of money – and that’s before you consider the bricks, mortar, and windows which make your shop what it is. If the street were to flood, damaging your premises, fittings and stock, the right combination of Buildings and Contents Insurance would keep you afloat while you refit and replace

Café of Coffee Shop

Selling food and drink comes with a specific set of worries. If an allergic customer consumed a nut-free pastry which inadvertently contained nuts, they may make a costly claim against you. Helping with legal costs and compensation payouts if you are found liable, Public Liability Insurance is a must for any business which interacts with customers, whilst Products’ Liability Insurance vouches for the safety of your goods.

Luxury Jewellery Boutique

If you hold valuable stock or equipment on-site, you can benefit from increased limits on your Stock cover, as well as special Theft policies to cover cash stolen from your shop or in transit. If an incident caused damage to your fixtures and fittings – such as those bespoke display cabinets you invested in – these can be covered under your Retail Contents cover.

Hair & Beauty Parlour

A complicated business with many products and chemicals on-site, beautician businesses need to be carefully assessed. Imagine an employee slips on hair that has not been swept up, and injures thier arm. Employers’ Liability Insurance can cover legal defence costs as well as compensation payouts and is a legal requirement for all businesses, whether you have one trainee, part-time employees or a team of full-time staff.

Online Fashion Business

Whether online retailing compliments your bricks-and-mortar shop or selling online is your entire business, sending customer parcels comes with the risk of goods getting lost, stolen or damaged before they reach your customer. Goods in Transit Insurance is designed for these occasions, protecting products on-the-move.

These are just some of the examples of businesses we can help.

So whether you own a boutique business or run a retail empire, we can find the right combination of insurance policies, that can protect your hard work and give you confidence you need to know your business is taken care of.

Talk to the experts and let us find the right policy for you

Try us out and see how we can help make finding the right insurance cover that little bit easier for you.

Cardiff 02920 626 226
Newport 01633 250 282
Ystrad Mynach 01443 816 099

What Our Customers Say

Google Reviews
79 Reviews

Mal Elwood

1 year ago

"Very efficient, always friendly and helpful. I have used Watkin Davies for years, and they have always been competitive. I received great support recently when I had to make a claim, so I'd highly recommend them."

A Ali

1 year ago

"I was very impressed with the quality of the service - it was outstanding. The advisor, Ms Spear went above and beyond to give me the best driving insurance policy. The policy I have received is exactly what I was looking for. Thank you so much Ms Spear!"

Adam Kearns

1 year ago

"I've used Instructorcover Plus for my driving instructor insurance for a number of years. Not only are prices competitive, even at renewal, but customer service is fantastic. Call operators are always cheerful and incredibly helpful. Everything is always sorted in a single call, saving valuable time. Highly recommend."

Macca Ginger

1 year ago

"Absolutely superb service from the team, particularly Natalie. Very easy and simple process"

steve rudgley

1 year ago

"As aways very efficient"

Barrie P

1 year ago

"I have used InstructorcoverPlus for my driving tuition insurance for a number of years. Their prices are always competitive and everyone I speak to is friendly and helpful."

Kathryn Parkes

1 year ago

"Ceri was very helpful and knowledgeable on the phone"

John Gabriel

11 months ago

"Karrie Brewer was so helpful today, especially as one insurance company would not quote, so had to shop around for us, many thanks"

Sulman Khosty

11 months ago

"Kelly is amazing. Very helpful and friendly, did a great job today with helping me out to get insured. Amazing service!"

Andy Amadi

1 year ago

"Great service. Got my first driving instructor insurance with this firm. Price was competitive and customer service provided by Jane was great. I will definitely recommend the service."

Lynne Turner

1 year ago

"Team were very helpful when it came time to renew my policy, taking the time to check and make any amendments needed. Would highly recommend."

Nikki Mellin

1 year ago

"5 stars!"

Pam Durbin

1 year ago

"Excellent service from Watkin Davies as per usual. I love the way they do all the hard work researching best quotes and provide you with your options. All the staff are very friendly and professional, I have to highlight Ceri who always does a fantastic job for me and my family."

Steve P

1 year ago

"Really helpful and efficient customer service, friendly and knowledgeable too. I would highly recommend InstructorcoverPlus."

Ricki Dango

1 year ago

"I m a returning customer and what a wonderful experience. Emma is new to her role but she was very helpful and polite throughout. She got the quote done very quickly and managed to beat all my other quotations. I therefore didn't have to waste any more time. Further she offered me three instalments at 0% which is helpful in this current economic climate. The paperwork was sent straight away. Highly recommended."

Gary Williams

1 year ago

"Once again, could not have been more helpful! Still a pleasure to speak to a 'real person' who knew what they were talking about!"


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About Watkin Davies

Watkin Davies Insurance Consultants is an independent Insurance Broker and a trading name of A-Plan Holdings, our head office is in Cardiff, in the village of Whitchurch close to the M4 motorway. The business was established by Roger Watkins in 1978 and is the trusted insurance broker to many individuals and businesses throughout the UK. We are proud of our independent status and pride ourselves on our customer service.

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  • We are proud of our claims service, our aim is to provide our customers with a first class service and ensure settlement is met within our customers expectations.
  • We have a highly skilled team, working hard to understand our customers requirements and needs & pride ourselves on customer service.
  • We have access to a comprehensive panel of insurers that allow us to provide cover you need at a competitive premium.
  • The business was established by Roger Watkins in 1978 and is the trusted insurance advisor to many individuals and businesses throughout the UK.

Watkin Davies & InstructorcoverPlus is a trading name of A-Plan Holdings, which is authorised and regulated by the Financial Conduct Authority No. 310164. Registered in England and Wales under company registration number 750484. Registered Office: 2 Des Roches Square, Witney, OX28 4LE. Calls may be monitored and recorded for quality assurance purposes.
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