Employers, public and product liability
- shop premises and property buildings and contents insurance
including material damage to stock - goods in transit cover
- money cover - freezer cover - glass and lock cover - business
interruption insurance - legal expenses cover and a wide
range of other commercial insurance covers to suit your
particular shop insurance needs. A 24 hour claims helpline
is available with free legal advice and assistance for locks
and glass replacement.
OUR POLICY COVER INCLUDES
All risks cover
Automatic reinstatement of sums insured after a loss ensuring
you are still covered for the same amount
Replacement values of stock and contents on a market value
basis, ensuring that you are not affected by fluctuations
in purchase prices
Cover can include tobacco and cigarettes, wines and spirits
for newsagents and licenced outlets etc.
Cover for your accounts and books includes:
Breakdown or failure of computer equipment
Loss or damage of computer records
Minimise the interruption to work carried out on damaged
computer systems
Recompile or restore damaged data
Costs to modify equipment or records to ensure compatibility
Cover for outstanding debts where business accounts are lost
Costs incurred through rental of equipment
Accidental glass breakage to fixed glass or sanitaryware
Damage to signs
Loss or damage to goods in transit
Replacement locks and keys following a theft
Loss of money
Loss of freezer contents
Automatic seasonal increase for Christmas and Easter
Loss or damage while providing outside catering
Loss of metered water
Damage to landscaped gardens caused by Emergency Services
Replacement value of buildings - cost of rebuilding after
a loss
Damage to cables, drains and underground pipes
Subsidence cover
Cover for tracing and making good leaking pipes, drains
and cables
Theft by Shop employees and staff
Terrorism cover if required
Personal Injury Cover includes:
Assault to employees following robbery or attempted robbery
Death
Total loss or permanent and total loss of use of one or
more limbs
Loss of sight
Temporary total disablement
Damage to clothing and personal effects
Loss of buildings income
Loss of business income as a result of damage to the supplier
Loss of business income resulting from denial of access
to premises due to damage
Loss of business income as a result of death at the premises
or human disease
Loss of sales directly attributable to loss of liquor licence
Shop Liabilities as described above include:
Employers liability
Public liability
Products liability
Cover for legal costs in respect of Health and safety
Legal liability incurred under Defective Premises Act
Indemnity to principle
Hairdressers treatment risk for hairdressers
What is Shop Insurance?
Shop
Buildings and contents are covered against most forms of
accidental loss or damage including theft, malicious damage
or riot, fire, lightning, explosion, burst water pipes,
storms and flooding. Extensions to Shop contents insurance
include freezer cover. Glass and lock replacement are usuallly
offered as part of the basic cover.
Business interuption cover is a basic shop policy extension
which provides cover for loss of income due to inability
to trade in the event of any claim under your Shop Buildings
and Contents policy, including additional expenses necessary
to keep your shop in business whilst repa\irs are carried
out.
Employers' liability is compulsory for shopkeepers Public
Liability protects you and your customers and up to higher
limits are available
Legal expenses cover for the costs incurred against a range
of potential legal actions
Goods in transit cover, covers your goods during transit
by road or rail with the exception of boats.
