Mobility Retailer Insurance

Protect Your Mobility Retail Business with Specialist Insurance Solutions

At PIB Insurance Brokers, we understand the specific insurance challenges mobility retailers face - particularly when selling goods with complex electronics, handling products powered by lithium batteries, managing storage of battery-driven stock, and selling or refurbishing second-hand items. We provide tailored cover that reflects these risks and operational realities, helping protect your business end to end. To further strengthen our offer, we partner with a leading household insurer to deliver a dedicated solution designed around the unique needs of this industry. Whether you operate a single shop selling mobility scooters and equipment or manage multiple locations, our specialist solutions are designed to protect your business, your customers, and your valuable stock.

What is Mobility Retailer Insurance?

Mobility retailer insurance is a tailored package of covers designed to address the specific risks faced by businesses selling mobility scooters, wheelchairs, stairlifts, and related equipment. This comprehensive insurance combines essential protections such as public liability insurance, employers' liability, stock and contents cover, and business interruption insurance, ensuring you meet regulatory requirements and safeguard your business against financial losses from claims, theft, or damage.

Why Do Mobility Retailers Need Business Insurance?

Running a mobility shop involves unique risks, from customer injuries in your showroom to theft of high-value stock and equipment. Without proper coverage, a single incident could threaten your business's financial stability and reputation. Our insurance packages provide:

• Comprehensive protection for your premises, stock, employees, and customers
• Peace of mind knowing you're covered for accidents, theft, and legal claims
• Enhanced reputation and compliance with retail industry standards
• Access to expert advice and dedicated claims support
• Exclusive policy enhancements from specialist providers who understand mobility retail

Types of Insurance for Mobility Retailers

We create tailored and bespoke insurance policies to suit your business needs. Here are the key types of cover within a comprehensive mobility retailer insurance policy:

• Public Liability Insurance - Covers injury or property damage claims from third parties, such as customers, visitors, or members of the public. For example, if a customer trips in your showroom or is injured whilst testing a mobility scooter, this cover protects you against compensation claims and legal costs.
• Employers’ Liability - Legally required if you employ staff, this covers claims from employees who are injured or become ill as a result of their work. It protects your business against compensation claims for workplace accidents, such as manual handling injuries or slips and trips
• Stock and Contents Insurance – Protects your valuable inventory of mobility scooters, wheelchairs, walking aids, and other equipment against theft, fire, flood, or accidental damage. This cover also extends to your shop fixtures, fittings, computers, and office equipment, ensuring your physical store is fully protected
• Business Interruption Insurance  – Reimburses lost income and covers ongoing expenses if your shop is temporarily unable to operate due to an insured event, such as fire, flood, or storm damage. This ensures you can continue paying rent, wages, and other overheads whilst your business recovers.
• Product Liability Insurance – Covers claims arising from faulty or defective products you sell. For example, if a mobility scooter malfunctions and causes injury to a customer, this cover protects you against compensation claims and legal defence costs.
• Legal Expenses Insurance – Covers legal fees and costs associated with business disputes, employment issues, regulatory investigations, or contract disputes with suppliers.
• Cyber Insurance – Protects your business against data breaches, cyber attacks, and the costs of system restoration and reputation management. Essential if you process customer payments or hold personal data.
• Commercial Property Insurance – If you own your retail premises, this covers the building itself against risks such as fire, flood, storm damage, or subsidence.

Our team can help you identify the right combination of cover for your specific needs. Or why not consider a commercial combined insurance policy is designed to provide insurance cover for multiple liabilities under one renewal.

Why Choose PIB Insurance Brokers for your Mobility Business Insurance?

Running a business is demanding – your insurance shouldn’t add to the stress. We go beyond simply arranging cover. We act as your partner, helping you protect what matters and plan with confidence.

• Specialist in mobility retail businesses: We understand unique exposures of the industry, and shape cover accordingly.
• A rated insurers: We partner with trusted, household name insurers who grasp the nuances of your business model.
• Value without compromise: Competitive premiums paired with cover that meets your operational demands and regulatory needs.
• Preferential pricing: We’ve agreed flexible pricing with our insurer partners to help outperform typical high street broker pricing.
• Enhanced retail panel: Access to an exclusive package with broader covers, higher limits, and sharper rates than standard market offerings.
• Proactive risk advice: Practical guidance to reduce claims frequency, protect margins, and keep you trading.
• Dedicated account managers who understand your industry

Ready to Protect Your Mobility Retailer Business?

Get in touch with our team today for a no-obligation quote and discover how our specialist insurance solutions can support your mobility shop's success.