Retail and Shop Insurance
Our specialist shop and retail package has been specifically designed with the needs of the retailer at heart. Whether you are a high street shop in a local parade or in a large out of town shopping complex, we have the perfect solution for you.
Our policies can combine all of the cover that you require to protect your retail business, including glass frontage, signs, contents, stock, money, business interruption, buildings, tenants and public, product and employers liability. You can also choose to extend your cover to include goods in transit, legal expenses and computers.
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Shop insurance policies include a selection of carefully selected standard and optional covers designed to protect the key risks of a retail business. This includes your potential liabilities towards property and people (Public Liability, and Employers’ Liability), the items contained within the premises (Stock, and Contents), and your income if you’re unable to trade (Business Interruption).
You have the option of paying for your policy in full, or over a series of installments. You can pay in full using a debit or credit card. If you choose to pay by installments, we will take a 20% deposit, followed by 9 further payments via Direct Debit.
An excess is an amount that will be deducted from any sum of money paid for a valid claim. Some Excesses are mandatory, which is to say that they are a condition of a policy. Some policies also offer voluntary Excesses, where you can choose an Excess, and by doing so, the cost of your policy may be reduced. When choosing a higher voluntary Excess, you need to be comfortable of the impact a reduced sum payable would have on you financially. Different Excesses can apply to different sections of a single policy, and they are cumulative. So, if you had multiple Excesses on your policy, and had a valid claim against multiple sections of your policy, the Excesses would be added up, and your total amount payable reduced by the sum of the applicable Excesses.