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Shop Insurance

Why Shop Insurance?

Most retailers will look to insure their stock and fixtures and fittings of their shop, however most shop policies will cover extra items under a retailer insurance policy.
Including money, goods in transit, glass and loss of profits.

If I employ anyone will I need to insure them?

If you employ anyone you are required by law to have employers liability insurance. This will indemnify you against your legal liabilities for bodily injury caused during the period of insurance to any employee if such injury arises out of and in the course of their employment by you and you are legally liable.

Can I include cover for the building in my shop insurance?

Most retail insurance policies will allow you to also cover the building under the same policy; normally you would obtain a small discount if you insure both the contents and buildings under one policy.

What contents can be covered under retail insurance?

Most shop insurance policies will allow you to cover trade contents this will consist of such things as your trading stock, trade fixtures and fittings, employees and customer's personal effects

Will I need security on the premises to obtain retail insurance?

Most insurers will require security on the premises the level of protection required will depend on the insurer and mainly on the type of retail outlet and the sums that you are looking to insurer. The location of the retail premises also has an effect.

Will the retailers insurance cover me for public liability?

Insurers will usually cover you automatically for public liability insurance, which will cover you in the event of a member of the public wishing to make a claim against the retail outlet some will also include cover for products liability this would cover you for goods sold or supplied by you from the premises in the course of the business.

Will the retailers insurance cover me for Business Interruption?

Business interruption is when your business cannot operate as a result of an insured loss. The property is untenable as a result of the loss and therefore operations must shut down. Business Interruption covers the continued business operation expenses, profits/losses that would have been earned had there been no loss. Coverage begins from the time of the loss and continues until the time that the business is back up and running at its pre loss state.

Will I be able to pay for my retail insurance by instalments?

Yes we offer a variety of instalment plans and are happy to spread the cost of your shop insurance, please ask one of our advisors for more information.