Book Shop Insurance Quotes 

Are you looking for insurance for your Book Shop?  
Finding adequate insurance for your bookshop can be time consuming and frustrating. We can approach the whole market on your behalf and make sure you are covered correctly and adequately for your specific bookshop. We can insure collectibles as well as new media, antiques, second hand and first editions, many standard shop contracts may not be able to provide you with adequate cover, equally they may be perfectly suitable for you. We can discuss all of these details with you and select the most suited contract as well as negotiate the best market rates for you. 
 
We can help you find a policy with the covers you require.  
Our staff are fully trained and qualified and ready to deal with your enquiry. We don't just fill out a proposal form with you but will take the time to understand your business more fully. This means we can get favourable rates from our extensive panel of insurers. 
 
We deal with every aspect of your book shop insurance contract from the initial quoting stage through to renewal and mid term adjustments. We will ensure your cover remains adequate as well as competitively priced. 
 
Town & Country are a national brokerage remaining local in our working practices.  
We take the time to listen to your individual requirements. We remain independent and truly work on your behalf. We get to know all of our customers individually and you'll get to know our staff as we are a local, independent brokerage rather than a large national call centre. 
 
We are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
 
For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 

Insurance Quote Details 

Book Shop Insurance Information 

What insurance does a Bookshop business actually need? 
 
A standard retails contract may be all that you need, in which case we can source this quickly and competitively for you. However it is still important to speak to us about your individual book shop. If you hold first edition books, antiques and collections then these will need insuring under your material damage section, particularly in respect of fire and theft, and insurers will need to understand the basis of the valuation. If you fail to adequately disclose these details to underwriters you may find the refuse to pay out in the event of a claim or you could easily find yourself under insured. It is also important to understand if you trade online, overseas or even away from the premises at book fairs and shows. Many shop policies won't cover these activities as standard and so talking to a specialist really pays. 
 
In addition to the standard considerations along with those above, insurers will be keen to know about racking and storage, the number of books kept on site is often considered an increased fire risk, equally water damage to books is also a problem so they'll want to know about any sprinkler systems etc. If you speak to a broker who doesn't understand the risks associated with your specific industry and trade as a book shop owner requiring a suited insurance contract then you could easily end up with an invalid or inadequate policy, often this isn't realised until you need to actually claim, by which time its too late. 
 
Below we note some sections of cover we may expect you to require:- 
 
The Buildings and Contents of the Premises 
Your contents (and if selected buildings) are insured against loss or damage caused by a standard range of insured risks normally associated with your trade including Accidental Damage. In addition cover is automatically extended to include: 
Damage to Underground Services 
Trace and Access costs 
Removal of Debris costs 
Architect and Surveyors Fees 
Automatic Reinstatement of Sums Insured 
 
Money and Personal Accident (Assault) 
Covers your business money In transit, on premises during business hours, or in a bank night safe 
In the business premises when closed for business or in the private dwelling 
Personal Accident (Assault) 
Death, Loss of Limb(s), Loss of Eye(s), Permanent Total Disablement £10,000 
Total uninterrupted Disablement (up to 104 weeks) £100 per week 
 
Glass Breakage 
Damage to fixed glass and fixed items of sanitary ware. 
 
Goods In Transit (OPTIONAL) 
If you have selected this option your needs are those of a retail business that delivers or collects goods and requires cover on those goods whilst in the course of transit. Damage to the trade contents whilst in transit by vehicles owned hired or leased by you. This is not usual for a Bookseller but you may work at events and for such you may have an exhibition type stand and stock of some value. 
 
Business Liability 
The following will automatically be included: 
Employers Liability £10m 
Public/Products Liability £2m 
Legal costs and expenses 
 
Business Interruption 
Loss of Gross Profit following loss or damage by an insured peril. 
Cover is extended to provide cover in respect of: 
Prevention of Access 
Specified Diseases, Murder, Suicide, Poisoning, Vermin or Pests, 
Defective Sanitation 
Damage at Suppliers premises 
Failure of Public Supply of Electricity Gas or Water 
Failure of Telecommunications 
 
Equipment Breakdown 
The policy covers damage and any subsequent loss of income caused by breakdown to equipment or machinery (including computers and refrigeration equipment) up to the limits shown in the policy. 
Commercial Legal Protection including: 
Employment Disputes & Employment Compensation 
Awards 
Legal Defence 
Contract Disputes 
Property Protection 
Bodily Injury 
Debt Recovery 
Tax Protection 
 
Our policy is a flexible policy and you can elect to amend your sums insured and covers as needed to derive a tailored and suited quotation. 
 
Normally, you will have to pay a contribution towards the cost of any claim (this is known as the excess). These excesses will vary according to the covers you have selected and/or our assessment of your risk. Your Policy Schedule will show the specific excesses applicable to your cover. 
 
Amongst other Exclusions as standard your policy excludes most Terrorism cover. You are able to purchase additional cover from us to include some aspects of this risk if required. 
 
Correct values at risk must be advised to us. If the sums insured you request are not adequate this may result in the amount that your insurers pay to you in the event of a claim being reduced. Your policy will be issued on the basis that you confirm the minimum standards of security apply to your premises. 
 
Cover will be granted on the understanding that you will cooperate with your insurers in any survey process and that you will comply with any requirement arising from any survey of your premises. 
 
We are here to give advice on buying book shop insurance, please contact us, disclose all relevant material facts and we will help you find a suited [policy which will pay for claims but only costs you a market best premium. 
 
See Also Your Trade Associations : The Booksellers Association 
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