Retail Shops

With our specially tailored Policy Wording we are able to offer Package Cover on a wide variety of retail shops including:

  • Grocers / Licensed Grocers
  • Supermarkets
  • Clothing Retail
  • Gift Shops
  • Hairdressers
  • Off Licences
  • Homeware

Package Cover

The following will be included in your policy according to the cover you have selected:

  • Contents
  • Glass Breakage including sanitary ware and signs
  • Loss of income subsequent to loss or damage
  • Money lost or stolen from the premises or whilst in transit
  • Assault of the Insured or employees whilst in the course of their business
  • Employers Liability
  • Public Liability
  • Products Liability
  • Goods in Transit loss or damage
  • Frozen Food loss or damage due to freezer unit or refrigerator breakdown

Optional Cover

You may also at an additional charge add the following optional covers to suit your needs:

  • Buildings cover
  • Subsidence cover
  • Loss of Rent cover
  • All Risks cover for specific items of business equipment
  • Loss of Licence cover
  • Terrorism Cover
  • Legal Expenses cover

Cover Applicable

The standard insured perils include loss or damage caused by:

  • Fire lightning explosion earthquake aircraft
  • Theft or Attempted Theft following forcible and violent entry
  • Storm flood escape of water from water tanks apparatus or pipes
  • Malicious persons, Riot Civil Commotion but not Terrorism
  • Impact
  • Escape of oil from a fixed oil fired heating installation
  • Breakage or collapse of radio or television aerials
  • Falling trees or parts thereof
  • Subsidence ground heave or landslip but only if requested
  • Accidental damage (if requested)

Key Benefits

Quotations within 2 hours*

Cover based on Statement of Fact

Competitive premiums

All quotes and documents emailed

All risks dealt with on individual merit by qualified underwriters – no “computer says no” approach to Underwriting

Outstanding customer service

In house claims service