businessinsure
Shops and Retailers Insurance
Further information on shop insurance, retail insurance or retailers insurance.
quoteline 08456 024 589
The following is a summary of the insurance cover available on a UK insurers
shop insurance, retail insurance or retailers insurance package
policy. This is an example of one insurance companies policy.
Many insurers offer similar shop insurance, retail insurance or retailers insurance package policies and the insurance cover will be similar. Most insurers offer a specifiic retailers insurance, retail insurance or shop insurance policy. However, please note that most shop insurance, retail insurance or retailers insurance package policies will differ in many ways. For example, different shop insurance, retail insurance or retailers insurance package policies may have different excesses and/or terms and/or conditions and/or warranties.
You should always ask for your shop insurance, retail insurance or retailers insurance quotation in writing and ensure that you read through the terms, conditions, warranties, exclusions, excesses and sums insured fully before accepting any insurance quotation.
The old adage "the cheapest is not necessarily the best" is certainly true for business insurance and commercial insurance which includes surgery insurance. Businessinsure will always provide you with a full written quotation based on your insurance requirements that we have discussed. Whilst we can advise you that we feel a quotation is suitable for you, you should always ensure that any business insurance quotation that we provide to you provides adequate insurance protection for your business.
Shop Insurance, Retail Insurance or Retailers Insurance Package Policy Cover Summary
Trade Contents
Available on a "Specified Contingencies" or an "All Risks" basis
Engineering breakdown is included
Subsidence is available as an option in most cases
Public and Employers Liability
Employers Liability, indemnity limit up to £10 Million (inclusive of legal costs) unless otherwise shown on the schedule
Public Liability, indemnity limit up to £2 Million (any one occurrence) unless otherwise shown on the schedule
Products Liability, indemnity limit £2M (in total during any one period of insurance) unless otherwise shown on the schedule
Loss of Income and Loss of Book Debts
Cover for Loss of Income up to £500,000
Up to 2 years indemnity period
Loss of Book Debts up to £10,000
Cover follows the Trade Contents section
Goods in Transit
Trade Contents whilst in transit by vehicles owned, hired or leased by You
Up to £2,000 on shop contents and stock
Up to £750 for cigarettes, tobacco, wines and spirits
Loss of Money
in transit
In a bank night safe
In Your home, or that of your partners, directors or employees
In Your premises
Personal Accident (Assault)
Benefits are payable for injury sustained during robbery or attempted robbery resulting in
Death
Loss of limbs or sight
Permanent total disablement
Temporary total disablement
Temporary partial disablement
Incurred medical expenses
Optional Extensions
All Risks on Machinery & Apparatus whilst outside of the business premises
Accidental damage to specified business machines and apparatus
OPTIONAL SECTIONS
The Structure
Cover follows that chosen under the Trade Contents section
Loss of Licence
Loss of an excisable liquor licence from causes beyond Your control giving rise to:
reduction in gross income
Reasonable additional expenses incurred in maintaining Your gross income
Reduction in the value of Your premises and/or business
Other costs and expenses incurred by You with Our written consent
Auditors or accountants charges incurred whilst dealing with a claim
Personal Accident
24 hour cover for specified employees suffering bodily injury resulting in:
Death
Loss of limbs or sight
Permanent total disablement
Temporary total disablement
Other features
24 hour business assistance services
Free Helpline services available 24 hours a day, 7 days a week for:-
Legal Advice on any business problem including Employment, Tax, Contract Disputes etc
Emergency Assistance - rapid response from reputable local contractors to deal with any sort of emergency on your premises, including burst pipes, drainage problems, gas, electricity failures, serious roof damage
Glass Replacement and Locksmith Services - rapid call outs for glazing or door & window security problems.
Instalment Payment Method available in most cases
