Shops
There’s nothing better than turning your sign to ‘Open’ every morning. However, it’s important to be aware of how open your business is to the day-to-day risks it encounters.
Standard policies provide:
- Employers’ liability insurance: protects you from claims made by your employees who may have fallen ill or been injured through the fault of your business
- Public liability insurance: protects you from claims made by members of the public for accidents or injuries occurring on your premises
- Stock protection: cover for your stock against standard risks (eg. fire, flood, theft etc)
- Contents and fittings insurance: covers the contents and fittings of a shop separately from the building – particularly useful if you lease your premises but own the fittings.
Additional cover is available to suit your specific business, including:
- Buildings and/or tenants improvements
- Subsidence
- Fidelity (Employee dishonesty)
- Computer breakdown
- Outstanding book debits
- Business travel
- Personal accident
- Cover for items away from the premises
- Frozen food
- Loss of licence
- Liability for work away from premises
- Treatment risks
- Goods in transit
- Legal Expenses.
