Business Insurance

Below is a guide to the forms of insurance that you are legally required to have in place for your business.

Employers’ Liability insurance

Under the Employers’ Liability Act 1969, all businesses within the UK that have one or more employees are required by law to have an active Employers’ Liability Insurance policy in place.

Employers’ Liability Insurance covers your business in the event of an employee claiming compensation from you in the event that they are injured, become unwell or diseased as a result of their work.

You could be fined up to £2,500 per day by the Health and Safety Executive for not having a valid Employers’ Liability Insurance policy in place. In some extreme cases, it can even lead to the closure of your store.

However, if you only employ a member of your close family in your store and are not incorporated as a limited company then your business is exempt.

Motor Insurance

If you or your employees are using a vehicle for business related activities, then legally you are required to have business specific motor insurance for the vehicle. Business motor insurance must cover all individuals who drive the vehicle.

Business related activities can include such things as home deliveries for customers or stock collection from a wholesaler.

Further Information 

ACS members can benefit from a market exclusive insurance product from their Connect supplier, Premierline Business Insurance Broker (‘Premierline’).

As well as exclusively negotiated policy enhancements, including enhanced stock and money cover, Premierline is able to offer competitive premiums to ACS members.

Premierline is a Connect member of ACS and when it comes to insurance they understand that every store faces different challenges and risks. . Their dedicated team of insurance experts are on hand to help you choose the right insurance for your business.

Premierline has many years’ experience arranging risk management solutions for independent shops and franchised retailers. As a trusted Connect supplier they are able to arrange insurance for convenience stores that’s designed to offer the protection you need.

To find out more about this exclusive insurance product, contact Premierline today on 0330 102 6159 or email For more information, visit their website at: