Shop & Retailers Insurance

Designed for your business

The shop itself is insured against most risks such as flood and fire for the cost or repair or rebuilding. Even risks such as terrorism or subsidence can normally be purchased as optional extras for added security from most insurers.

A package policy that will typically include the following:

Buildings Insurance

Buildings insurance covers the main structure of your property. If your building were to burn, or be damaged by extreme weather, your buildings insurance policy covers the costs of rebuilding or repair.

For further information on setting the correct Buildings Sum Insured, or if you need a professional valuation, please click here.

Employers Liability Insurance

Required by law if you have employees, this type of insurance protects you from claims from staff who have been injured or made ill at work through the fault of your business.

Public Liability Insurance

The nature of your business means that customers will be visiting your premises to shop, and if they happen to have an accident and injure themselves whilst there, you might end up facing a claim if it was your fault.

A customer might, for example, trip on a carelessly discarded box or item that has fallen from an overstocked shelf. If they hurt their back, or put their hand through a glass display resulting in a serious injury, they are likely to try to claim compensation.

Public Liability Insurance covers such claims and usually any legal expenses involved.

Products Liability Insurance

Products Liability covers accidental injury to the public or accidental damage caused by products supplied by your business.

Trade Contents

Provides All Risks cover for loss or damage to trade contents.

Loss of Income and Loss of Book Debts

Designed to help you keep your business going if it is interrupted by a cause covered by the Trade Contents section. It covers loss of Gross Profit due to a reduction in turnover.

Glass

Covers breakage of fixed, plain and wired glass and sanitary fittings.

Goods In Transit

Covers Trade Contents whilst in transit by vehicles owned, hired or leased by you.

Money Cover

If you store cash on site, this can also be insured against theft. You can even add on theft by an employee.

Personal Accident (Assault)

Benefits are payable for injury sustained during robbery or attempted robbery.

Further Information

For further information, you can refer to the Key Facts document below, which is a summary of the policy we offer on our online quotation system, or you can also refer to the full Policy Document:

• Key Facts - Retailers Insurance
• Policy Document - Retailers Insurance

Remember that if you are unsure whether you need a particular form of cover then you can contact us and we will be happy to help.