Retail & Shops
Retail Shop Insurance Claim Ireland
When fire, flood or storm closes your shop, every day shut is lost footfall and lost takings. We prepare and negotiate your retail insurance claim so you recover the full amount your policy owes and reopen your doors faster.
CBI Regulated · No Win, No Fee · Trevor Kelly MSCSI MRICS
The Real Cost
A closed shop loses far more than stock
For a retailer, damage to the premises is only the start of the problem. A shop that cannot trade loses daily footfall, walk-in sales and the regular customers who quietly drift to a competitor while your shutters stay down. The longer the closure, the harder it is to win them back.
On top of lost takings, the bills do not stop. Rent, rates, staff wages and supplier accounts keep falling due, and most retail leases still require you to repair and reinstate the unit even when the damage was not your fault. A well prepared claim should cover all of this, not just the most obvious physical damage.
- Lost footfall and walk-in sales while you are closed
- Fixed overheads that run on regardless: rent, rates, wages
- Lease obligations to repair and reinstate the unit
- Customers lost to nearby competitors during closure
Common Claims
The retail losses we deal with most
Shops face a particular mix of risks because they sit on busy streets, hold valuable stock and rely on a working shopfront to draw people in. Most retail claims we handle fall into a familiar set of causes, and each brings its own complications when it comes to proving and valuing the loss.
- Fire and smoke damage to stock, fixtures and the unit
- Flood and storm damage at street level and to glazing
- Escape of water from burst pipes or units overhead
- Break-in and impact damage to shopfronts and shutters
If your loss was caused by fire, you can read more about how we handle a commercial fire damage claim and the way smoke and soot spread far beyond the obvious burn area.
How It Works
From first call to full settlement
We manage the whole retail claim for you so you can focus on getting back to trading.
We assess the damage to your shop, your stock and your trade, and review what your policy actually covers.
We document the loss in full: stock, fit-out, shopfront and the income you are losing while closed.
We deal with the insurer’s loss adjuster directly and pursue interim payments to keep cash flowing.
We push for the full, fair settlement your policy owes so you can reinstate and reopen.
Stock & Valuation
Valuing stock loss the right way
Stock is often the single largest part of a retail claim, and it is also where insurers most often underpay. Damaged seasonal lines, contaminated goods and stock written off after smoke exposure all need to be identified, listed and valued correctly, not estimated on the back of a single walk-through.
We reconstruct your stock position using purchase records, stocktakes and supplier invoices, and we account for seasonal timing and the difference between cost and the basis your policy actually settles on. Done properly, this can make a substantial difference to your final figure. For the detail on contents and stock cover, see our guide to making a business contents and stock insurance claim.
Fit-Out, Shopfront & Income
Reinstatement and lost trade, recovered
A modern shop is more than four walls. Counters, shelving, refrigeration, lighting, flooring, signage and the shopfront itself are all part of getting you trading again, and your lease may oblige you to put them back. We make sure the fit-out and shopfront reinstatement are properly scoped and costed, not trimmed to suit the insurer.
For a footfall-dependent retailer, the income you lose while closed can dwarf the bricks and mortar. Business interruption cover exists to bridge exactly that gap, replacing lost gross profit and helping with the fixed costs that keep running. It is also the most commonly miscalculated part of a claim. Our dedicated guide explains how a business interruption insurance claim is built and proven.
- Fit-out fixtures, fittings, refrigeration and flooring
- Shopfront glazing, signage and shutter reinstatement
- Lost gross profit recovered through business interruption
- Interim payments pursued to protect your cash flow
Client Feedback
Trusted by business owners across Ireland
A burst pipe wiped out half our stock overnight. They valued every line properly and got us an interim payment within weeks, so we never missed a wage run. The final settlement was far above the insurer’s first figure.
After the fire we did not know where to start. They handled the loss adjuster, costed the full shopfront reinstatement and included the trade we lost while shut. We reopened without arguing with the insurer ourselves.
Common Questions
Your questions, answered
We work on a no win, no fee basis. Our fee is a percentage of the settlement we secure for you, agreed in advance and in writing, so there is nothing to pay up front. If we do not recover for you, you do not pay our fee.
Make the premises safe and prevent any further damage where you can, then photograph everything before it is cleared or repaired. Keep damaged stock and fixtures if it is safe to do so. Call us before you commit to any figure with the insurer, and we will guide you from there.
It varies with the size and complexity of the loss. A straightforward stock claim can move quickly, while a major fire involving reinstatement and business interruption takes longer. We keep the claim moving and pursue interim payments where possible so cash is not stuck while the final figure is agreed.
Yes. We manage the claim from end to end and deal directly with the insurer and their loss adjuster on your behalf. Remember the insurer’s adjuster acts for the insurer; we act only for you, the policyholder.
We work with retailers across Ireland nationwide. We are based in Rush, Co. Dublin, and regularly handle shop and retail claims in Dublin and throughout the country.
Yes. Even if the damage already happened or you have an offer on the table, we can review your policy and the figures. In many cases there is room to revisit a claim and recover more than the first offer, provided it has not been formally closed.
across Ireland since 2009
Central Bank of Ireland regulated. RICS/SCSI accredited. No win, no fee.
Get your shop trading again
and recover what you are owed
Talk to us about your retail claim today. The first consultation is free, with no obligation, and we work on a no win, no fee basis.
