We can offer a specialist policy from any one of a number of insurers, no two shops are ever the same, so no two insurances should ever be the same either. We do not try to make you fit onto one policy, we have a range of insurers and will negotiate with them for a best fit and price tailored to your needs.
Our policy may include any or all of the following:
Full ‘All Risks’ cover for loss of or damage to your stock, goods held in trust and all other contents on your premises
£250 claims excess
Portable items and business equipment can also be covered away from your premises, anywhere in the EC
Possible increase in your cover for Stock for any three months of each year
Possible cover for property temporarily removed to other premises including outworkers, repairers and other sub contractors (limit 15% of the stock and goods in trust sum insured)
Possible Full ‘All Risks’ cover for damage to buildings, including landlord's fixtures and fittings
£250 claims excess
Subsidence cover usually available, subject to £1,000 claims excess
Cover automatically includes costs and expenses incurred following a loss in
paying architects' fees
complying with EC legislation or local authority requirements
Breakage of all internal and external glass
Including damage to window and door frames (limit £2,000)
Including the cost of boarding up if necessary
Including damage to sanitary fittings
Goods in Transit
Loss or damage to your property or property for which you are responsible whilst in the course of transit anywhere within the UK and European Community, either in your own vehicle(s) or by carriers
Deterioration of Stock
Loss of frozen or refrigerated stock due to failure of the power supply, breakdown of the appliance in which it is stored or the action of refrigerant fumes
Loss of gross profit and reasonable additional expenditure incurred to maintain your business for a specified period (usually 1, 2 or 3 years) following damage by any cause insured by the Contents or Buildings section.
Money and Personal Injury (Assault )
Loss of cash, crossed cheques, crossed postal or money orders, credit card sales vouchers, National Insurance Cards and other non-negotiable instruments:
On your premises during business hours
On your premises outside of business hours in a locked safe or strongroom
On your premises outside of business hours but not in a safe
In the private dwelling of a director, partner or other authorised employee
Personal Injury (Assault)
Death or disablement of employer or employees aged between 16 and 65 caused by injury sustained as a result of actual or attempted physical assault, robbery or hold-up. This section has the following benefits:
Death and permanent injury (capital sum benefit paid)
Temporary total injury (weekly benefit paid)
Temporary partial injury (weekly benefit paid)
Incurred medical expenses benefit
Covers your legal liability to employees for bodily injury or disease caused in the course of their employment by you. Cover includes associated legal costs and expenses.
Public and Products Liability
Covers your legal liability for injury to the public or loss or damage to their property.
Cover can also apply to claims for injury caused by products which you have sold or supplied.
Commercial Legal Expenses
This section can provide cover of £50,000 or £100,000 in connection with statutory licence disputes (including RFD certificate).
Option to include:
Employment costs and awards
VAT and tax investigations
Loss adjusters fees
Jury Service benefit (limit £100 per day, maximum £1,000)
£250 claims excess (not applicable to Jury Service benefit section).