Shop Insurance

The typical shop Insurance package will cover:

Buildings

Including the building, outbuildings, walls, gates, fences, and landlord's fixtures and fittings, tanks, drains, pipes and cables servicing the buildings.

Covers can include:

• Trace and Access in respect of Water/Oil Leakage
• Damage by Emergency Service Vehicles
• Landscaping Damage
• Rent Payable
• Replacement of Locks

Trade Contents

Including fixture and fittings, machinery and all other contents including shop/office front, external signs, business books, stock in trade, telephone installation, gas or electricity meter etc

Additional Cover (Trade Contents Only)

• Trade fixtures and fittings
• Accidental damage of fixed glass
• Seasonal Increase of stock sum Insured at Christmas and Easter
• Loss or damage to Money including
  - Crossed Cheques
  - in a locked safe
  - in your home or that of an authorised employee
• Malicious attack
• Employers Liability
• Public and Products Liability
• Tenants Liability up to 15% of Sums Insured of Trade Contents
• Business Interruption - This covers you against loss of income and/or extra expenses incurred as a result of interruption or interference to your Business caused by damage to Buildings or Contents

Policies can also be extended to include Accidental Damage to Buildings or Trade Contents

Optional Covers

Frozen Foods

Loss or Damage of frozen food following an accidental failure of the power supply or breakdown of the appliance.

Goods in Transit

Covers goods in transit during collection and delivery but excludes loss or damage due to theft, robbery, storm.

Personal Accident

This section covers you and your employees against accidental bodily injury.

Packages are tailored to meet the growing needs of shop-owners. To ensure flexibility, the cover can be adjusted at anytime to meet your specific business requirements.