In the UK, the vast majority of the major, brand name, commercial insurance companies will have a range of policies for most industries. The basic parts of these policies are the same across the board, however there are differing terms, excesses, conditions and of course price.
What you do need to ensure is that and shop insurance quote you receive includes the following five types of cover, as an absolute minimum to help protect your business in the years to come.
Business contents, this will cover stock, machinery, plant, computers and importantly, any customers goods in your care, custody or control.
Commercial legal expenses, this will cover employment tribunal costs and inland revenue tax investigation (either aspect enquiries or full investigations) costs.
Business interruption or consequential loss. If the business suffers an insured event (ie fire, flood, break in) then there will be an interruption to your trading profits, this covers the losses you suffer.
Combined liability, including employers, public and products. We are a more litigious nation than ever before, make sure you have adequate liability insurance.
Shop front glass cover, if you lease the premises you are 95% likely to need to insure the glass and possibly the shop front (frames etc) in its entirety.