Shop
Our Shop policy is designed to cater for your customers retail premises; from modern retail parks to traditional high street shops.
Key Selling Points
- Introductory no claim discount available at new business
- No claim discount available at renewal
- Minimum premiums from £175
- Standard excess of £200 for Contents and Buildings with an option to vary
- Option to insure hair and beauty treatments with a limit of indemnity up to £1m
Features
- Loss of Income included as standard
- Engineering breakdown covers essential items such as tills and stock control equipment
- Free 24 hour advice lines for health and medical assistance, emergency assistance, glazing, legal advice and stress counselling
- Up to £15,000 cover for frozen or chilled foods and up to £5,000 for any other perishable goods
- Access to a dedicated risk management service
- Option to add accidental damage to Buildings and Contents
Preferred Risk
Your local high street including:
- Greengrocers
- Hairdressers
- Chemists
- Post Offices
- Florists Delicatessens
- Butchers
- Bakers
- Fishmongers
- Newsagents
- Grocers
- Print Shops
- Clothing Retailers
- Coffee Shops
- Cheese Retailers
- Photocopying Shops
Standard Covers
| Cover | Maximum Limit |
|---|---|
| Contents | £5,000,000 (£1,000,000) |
| Public/Products Liability | £5,000 (£1,000) |
| Employers Liability | £10,000,000 |
| Loss of Income | £2,000,000 (£500,000) |
| Glass | Unlimited |
| Goods In Transit | £5,000* (£2,000) |
| Fixed Signs | £1,000 |
| Money | £12,000* (£5,000) |
| Personal Accident (Assault) | Capital Benefits £10,000 |
Optional Covers
| Cover | Maximum Limit (up to) |
|---|---|
| Buildings | £5,000,000* |
| Specified All Risks | £10,000* |
| Loss of Licence | £250,000 |
| Personal Accident | Capital Benefits £50,000 |
| Hair and Beauty Treatment | £1,000,000 |
* higher limits available on request
The amount in brackets denotes the standard limit provided.
This is a summary of the cover available. Please refer to the Policy Booklet for full terms and conditions.
