Retail & Wholesale


We understand the importance of your business to you, and the need for protecting it. Businesses are exposed to higher risk than ever, and owners are faced with the prospect of selecting an insurance policy that will adequately cover them should a claim occur

Retail Insurance

Suitable for businesses who sell products or services on their premises, such as grocers, hairdressers, newsagents, supermarkets and more. Policies are suitable for small corner shops to high street chains as optional and additional covers allow you to build a policy to suit the requirements of you and your business.

Wholesale Insurance

As a wholesaler you are likely to require additional covers due to the increased stock both on premises and in transit. Any interruption to wholesale business can be catastrophic as you could potentially lose contracts and long-standing customers as their demands remain the same regardless of who is available to supply them.

Key Insurance subjects include:

  • Buildings

    This will form part of your business insurance and will protect you against damage caused and subsequent financial loss in view of repairs / rebuilding.

  • Contents

    This will provide cover for your trade contents at your premises, including all non-fixed items including electrical items, counters, fridges, freezers and furniture.

  • Fixtures & Fittings

    This is cover for the permanent fixtures and fittings in the business premises, including items such as shelving, fixed counters and walk-in fridge / freezers.

  • Employers Liability

    If you employ one or more staff, then employer’s liability is a legal requirement. This aspect of insurance covers you against injury, illness or even death to your employees.

  • Public / Products Liability

    This aspect of liability insurance provides cover for the legal liability should a third party issue a claim against you and/or your business or products.

  • Stock

    Your stock is an investment, so it is important to protect this investment in the event of damage and loss.

  • Loss of Licence

    Loss of Licence cover, under qualifying circumstances, will provide cover for any reduction in the value of your business or premises following the loss of license.

  • Business Interruption

    Business interruption covers loss of revenue as the result of a claim such as a fire or flood.

  • Employee Theft

    This additional cover will offer financial protection following acts of fraud or theft by dishonest employees. This can be extended to cover computer fraud, forgery, fund transfer fraud and credit card fraud.

  • Treatment Risks

    This is a requirement for trades such as beauticians, hairdressers, tattooists, piercing studios, teeth whitening clinics and cosmetic surgeons.

  • Seasonal cover

    It is possible to automatically increase your stock sum insured in designated months to ensure that you are adequately insured should you suffer a loss.

Get in Touch

If you would like a quotation then please contact us today on 01924 871111 and a member of our specialist team will be happy to assist you.

Alternatively, use our contact form below and we’ll be in touch to help.

I prefer to be contacted via*
This field is for validation purposes and should be left unchanged.
WTJ Insurance

Landmark House, 556 Leeds Road,
Outwood, Wakefield, WF1 2DX

Call: 01924 871 111