Shop Insurance

Insurance for shops of all types and sizes

Shop insurance is there to give piece of mind to cover you should anything out of the ordinary occur. Unfortunately 80% of businesses go bankrupt after serious claims if they are not covered. It is always necessary to ensure that you have the correct cover and with our policies we will ensure that it is tailor made to suit your requirements.

As standard we will offer you

£10 million of Employers Liability, which will cover you should any of your staff/employees make a claim against you, either due to injury on the job, or an illness which may occur in the future as a result of working for you, whether this is on or off site. Employers Liability is compulsory under the Employers’ Liability Act 1969.

£2 million of Public Liability to cover you against any claims made by a customer/3rd party for an injury that is caused on your property, for example slipping on a wet floor. Although you may not notice any risks, fraudsters are very common in this day and age so it is always nice to know that you are covered should an incident occur

£2 million of Products Liability for any faulty goods sold by your company, or if you have a restaurant and a customer receives food poisoning

Features and benefits

• Flexible levels of cover for contents, stock and electronic equipment
• Frozen and refrigerated stock separate from other stock
• Public liability insurance cover as standard at £2million with the option to increase.
• Optional Business interruption cover
• Loss of money cover provided as standard, see each insurers key facts for limits
• Goods in transit cover
• Product liability insurance, in the event of the sale of faulty goods
• Employers liability insurance as standard if you need it
• Choice of payment options, full payment or direct debit
• Tenants improvements can be covered
• Option to include buildings insurance
• Compare quotes from 3 insurers
• Protection from dishonest employees can be included