Shops

The Shops Insurance product is designed to meet the requirements of the majority of retailers including restaurants, cafes and public houses and who wish to protect their business

As standard the policy will provide cover for:

• Contents
• Glass and Sanitary ware
• Money
• Personal Accident Assault
• Business Interruption
• Employers, Public and Products Liability
• Goods in Transit

There are a number of additional optional covers available as follows:

• Buildings
• Refrigerated Stock
• Loss of Licence
• Hairdressers’ Treatment Risk

Key Features

• Seasonal stock sum insured increase – Christmas and Easter (can be amended on request)
• Replacement of locks following theft of keys – up to £1,000
• Automatic reinstatement of sum insured following a loss
• Index linking
• Loss of metered water or heating oil up to £2,500
• Outstanding Debit Balances up to £25,000
• Cross Liabilities
• Contingent motor liability cover
• Damage to Underground Services
• Health and Safety at Work Act legal fees and costs

Benefits

• Option to pay by instalments
• 24/7 Claims Helpline
• Free 24 hour Business Legal helpline

Click here for more information and product features

How to buy our products

To ensure that you receive specialist advice, all of our products are sold exclusively through a national network of professional insurance brokers. To locate your nearest insurance intermediary, please click on the find a broker link.