Cash and Carry Insurance Quotes 

Are you looking for insurance for your Cash & Carry?  
Trying to find an insurance policy that covers your business and interests correctly can be a daunting task. We provide insurance from a wide range of industry specialists and tailor them to your specific requirements. Its not often that a standard off the shelf product will automatically be the right policy for you. We make sure we get to understand your risk inside and out so you can have the best policy at the right price. 
 
We can help you find a policy with the covers you require.  
Our dedicated and qualified staff take the time to get to know you and your business to try and find the best cover from the most reputable insurers and in most cases can offer a site visit to take your information. In addition, we can offer health and safety advice and risk management information.  
 
We understand your industry and can discuss your requirements in particular in respect of stock cover and exactly how you want this to be covered, which will depend largely on the size of the business and the stock held along with any increased or reduced fire risk and security considerations. 
 
We deal with all aspects of your policy from the initial fact finding about your business, through to mid term adjustments and renewals. We are also heavily involved in helping you deal with claims. 
 
Town & Country are a national brokerage remaining local in our working practices.  
We really get to know our customers and their businesses and as we aren't a call centre we have the time to do this properly. 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 

Cash & Carry Insurance Information 

When insuring your cash & carry business there is much to consider. Specifically you want to consider what type of cover you need and want. Like all businesses if you have employees you are required by law to get Employers Liability, other than that most insurance is there to protect you and ensure you can consider still trading even after a disruption. Your business insurance policy will include policies to suit your business requirements. This is how we are able to provide you with better rates as we do not assume that all or nothing applies to your business. We make sure we take the details on all of your associated risk so our cover will have the best policy wording and the cheapest market rates. 
 
Commercial Combined insurance protects your business assets from a number of unforeseen losses including damage, theft, fire, natural disasters (such as floods and storms) and vandalism. This insurance provides cover for your buildings, machinery, business stock and equipment and all other contents within the building premises. No matter what size your business may be you need to protect your business from various risks and any other claims that might arise during the course of business. The purpose of commercial combined insurance is to integrate different types of insurance into one policy that covers all the important areas of your business. 
 
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 can be included: 
Employers Liability £10m 
Public/Products Liability 
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. 
cash and carry insurance quote