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Shop Insurance

Insurance Cover For Shops

Shop Insurance

Shop Insurance
Shop Insurance overviewShop Insurance eligibilityShop Insurance documents
 
Shop Insurance Cover


Our shop innsurance panel offer both standard and enhanced cover options. The standard policy provides cover for various risks including public any employers liability, stock cover and renants improvements.


The enhanced options gives you the choice to increase the levels of public liability, business interruption, goods in transit cover and many others, allowing the policy to be tailored to suit your individual requirements.


Our policy provides excellent levels of cover with competitive premiums and there is the option to pay by monthly direct debit, enabling the cost of your premium to be spread.


Policy Features


 

Shop Insurance Main Policy Features

  • All risks cover
  • Automatic reinstatement of sums insured after a loss
  • Replacement values of stock and contents on a market value basis
  • Cover can include tobacco and cigarettes, wines and spirits
  • Breakdown or failure of computer equipment
  • Loss or damage of computer records
  • Minimise the interruption to work carried out on damaged computer systems
  • Recompile or restore damaged data
  • Costs incurred through rental of equipment or records to ensure compatibility
  • Costs incurred through rental of equipment
  • Accidental glass breakage to fixed glass or sanitaryware
  • Damage to signs
  • Loss or damage to goods in transit
  • Replacement Locks and keys following a theft
  • Loss of money
  • Loss of freezer contents
  • Automatic seasonal increase for Christmas and Easter
  • Loss or damage while providing outside catering
  • Loss of metered water
  • Damage to landsscaped gardens caused by Emergency Services
  • Replacement value of buildings
  • Damage to cables, drains and underground pipes
  • subsidence cover
  • Cover for tracing and making good leaking pipes, drains and cables
  • Theft by employees
  • Terrorism Cover
  • Assault to employees following robbery or attempted robbery
  • Death
  • Total loss or permanent and total loss of use of one or more limbs
  • Loss of sight
  • Temporary total disablement
  • Damage to clothing and personal effects
  • Loss of buildings income
  • Cover for outstanding debts where business accounts are lost
  • Loss of business income resulting from denial of access to premises due to damage
  • Loss of business income as a result of death at the premises or human disease
  • Loss of sales directly attributable to loss of liquor licence
  • Employers Liability
  • Public Liability
  • Products Liability
  • Cover for legal costs in respect of Health and Safety
  • Legal liability incurred under Defective Premises Act
  • Indemnity to principle
  • Hairdressers treatment risk
  • No insurer has ever declined my / our proposal or refused to renew or cancelled my / our policy or imposed special terms or conditions for any of the risks proposed.
  • I/we have not suffered any losses or had any claims made against me/us by any employee or any third party in respect of death, injury or damage to property during the last five years, whether insured or not, in respect of any of the risks which I/we now wish to insure.
  • I/we have not been convicted of or charged with (but not tried) or received a police caution in connection with arson or any other criminal offence (other than motoring offences)
  • Note: Convictions regarded as spent under the Rehabilitation of Offenders Act 1974 do not need to be disclosed
     
  • I/we have not been prosecuted or received notice of intended prosecution or been served with a Prohibition Notice in connection with a breach of any health and safety legislation.
  • I/we have not been declared insolvent or bankrupt or been the subject of bankruptcy proceedings.
  • I/we have not been the subject of a County Court Judgement (or Scottish equivalent) or are any proceedings pending.
  • I/we have not been a director or partner in any business which is or has been the subject of a winding up or administrative order, or receivership proceedings.
  • I/we are resident/s of the United Kingdom

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Shop Insurance - AXA Keyfacts
Shop Insurance Keyfacts
Shop Insurance - AXA Keyfacts PDF Download Shop Insurance - AXA Keyfacts (140.23 KB) PDF file
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Shop Insurance - AXA Policy Wording
Shop Insurance - AXA Policy Wording PDF Download Shop Insurance - AXA Policy Wording (5.27 MB) PDF file
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Shop Insurance - Groupama Keyfacts
Shop Insurance Keyfacts
Shop Insurance - Groupama Keyfacts PDF Download Shop Insurance - Groupama Keyfacts (100.51 KB) PDF file
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Shop Insurance - Groupama Policy Wording
Shop Insurance Policy Wording
Shop Insurance - Groupama Policy Wording PDF Download Shop Insurance - Groupama Policy Wording (301.9 KB) PDF file
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Shop Insurance - MMA Keyfacts
Shop Insurance Keyfacts
Shop Insurance - MMA Keyfacts PDF Download Shop Insurance - MMA Keyfacts (27.55 KB) PDF file
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Shop Insurance - MMA Policy Wording
Shop Insurance Policy Wording
Shop Insurance - MMA Policy Wording PDF Download Shop Insurance - MMA Policy Wording (321.93 KB) PDF file
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Shop Insurance - Zurich Keyfacts
Shop Insurance Keyfacts
Shop Insurance - Zurich Keyfacts PDF Download Shop Insurance - Zurich Keyfacts (37.13 KB) PDF file
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Shop Insurance - Zurich Policy Wording
Shop Insurance Policy Wording
Shop Insurance - Zurich Policy Wording PDF Download Shop Insurance - Zurich Policy Wording (295.37 KB) PDF file
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Authorised and Regulated by the Financial Conduct Authority under reference: 474741
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