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bira insurance

Insurance tailored to your business

bira insurance is tailored to your specialist retail needs, giving you greater peace of mind that your business properly covered.

The benefits to being covered by bira insurance:

  • We understand that all businesses are different, so we tailor our retail insurance specifically to your business
  • The cover limits we offer suit the needs of most retailers
  • Our in-house claims team monitor and progress your claims promptly
  • You’ll receive a very professional service
  • Our dedicated team maintain a close working relationship with you to meet your needs and requirements

Our retail policy covers:

  • Accidental loss, destruction or damage to stock, general contents & buildings
  • Up to £10,000 for property in transit
  • Up to £10,000 cash theft from your premises during business hours/in transit
  • Minimum of £750,000 for loss of gross profit over a 24 month period (can be increased on request)


Plus, cover that’s exclusive to bira members:

  • Theft cover without the requirement for there to be forcible or violent entry/exit
  • Theft cover for stock in the open
  • Jewellery & precious stones cover
  • Cover for goods that are hired out or hired in
  • Loss of use of vehicle

Cyber protection insurance cover

If you hold any personal data on a computer (as simpler as a name and address on an invoice being emailed) then you need to make sure that data is protected.

Add cyber protection onto your bira insurance retail policy for added financial protection and technical support should your computer systems and data be breached.

  • 24/7 technical support
  • Specialist cyber legal advice
  • Cyber crime and extortion
  • Hacker damage
  • Telephone hacking
  • Human error
  • Cyber business interruption

To take advantage of this great service, simply log in to your member area.

If you’re not currently a bira member, but want to take advantage of this preferential member benefit, please click here.

Alternatively you can contact our membership team on 01295 713333.

British Independent Retailers Association is an Introducer Appointed Representative of Towergate Underwriting Group Limited. Bira insurance and Towergate are trading names of Towergate Underwriting Group Limited who are Authorised and regulated by the Financial Conduct Authority. Registered in England No. 40438749  Registered Address Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN

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