Shop shutters and your insurance
How insurers look at shop shutters, where a policy may name a security standard, and what paperwork to keep.
Many commercial policies ask how a property is secured out of hours. For trades with attractive stock, such as tobacco, alcohol, phones, jewellery or controlled drugs, insurers may require shutters or name a minimum standard.
Last updated 13 October 2026 by the Security Shutters UK team
What might a policy specify?
Policies sometimes refer to a security rating such as LPS 1175, often in the older SR format, or to locking and fixing requirements. Some simply require shutters to be closed and locked when the premises are unattended.
What should I keep on file?
Keep the quote and invoice showing the product, any certificate reference for rated products, the declaration of conformity for electric shutters and service records. These help if your insurer asks for evidence after a claim.
- Product specification and invoice
- Certificate reference for rated shutters
- Declaration of conformity for powered shutters
- Service and repair records
What if the policy wording is unclear?
Ask your broker or insurer to confirm the requirement in writing before you order. Send it to us and we will match the product to it.
Sources
This guide is general information, not legal advice. Rules can change, so check with your council, insurer or fire risk assessor where it matters.