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SHOP INSURANCE
Our shop insurance provides cover for businesses who sell products or services from premises
- Shop insurance cover from as little as £22 per month.*
- £2m public & products liability cover as standard.
- Policies underwritten by Allianz Insurance plc, one of the UK's largest insurers.
- Get a quote online or call now for a great deal on shop insurance
Shop Insurance
To celebrate our 10th birthday we're giving away £10,000 in shopping vouchers. Simply get a shop insurance quote today for a chance to win…
As the first direct business insurance
provider, Premierline Direct helped transform the way shop
insurance was bought and can provide flexible shop insurance
policies at competitive prices, covering a range of businesses such
as hairdressers, newsagents, cafes and grocery
stores.
To meet these varied needs, our shop insurance policies are flexible, which means we can tailor the cover to make sure you've got just what you need - no more, no less.
Our approach takes 3 simple steps:
Step 1 - Our standard cover
Years of experience have taught us the basic needs and typical levels of cover that your retail business needs.. Our policy provides cover for the following as standard, although you have the choice to upgrade the cover should you need to:
| Business contents and stock | Seasonal increase (Stock sums insured) | Business interruption | Loss of accounts receivable | Loss of liquor licence (where applicable) | Employers liability (Any one claim) | Public liability (Any one claim) | Products liability (One policy period) |
| You specify | 25% during peak trading periods | Standard: £500,000 for 12 months. | Standard: £25,000 | Standard: £100,000 | £10m | Standard: £2m | Standard: £2m |
| Optional: Up to £600,000 with cover period up to 36 months | Optional: Up to £50,000 | Optional: Up to £250,000 | Optional: Up to £5m | Optional: Up to £5m |
Step 2 - We also provide our shop insurance customers with cover which is specifically relevant to the retail trade.
The following cover is designed to meet the needs of the retail trade in particular. You can choose the standard levels of cover detailed below or adjust the levels of cover (within a set range) to ensure your needs are properly met.
| Damage to window frames** or window lettering*** | Damage to signs** | Goods in transit*** | Replacement of locks** | Loss of money In transit*** and from the premises** | From a locked safe*** | Freezer contents** and equipment used at outside catering*** | Property at exhibitions*** |
| Standard: £500 Max: Up to £10,000 | Standard : £1,000 Max: Up to £10,000 | Standard: £2,000 Max: Up to £15,000 | Standard: £500 Max: Up to £10,000 | Standard: £3,000 Max: Up to £10,000 | Standard £1,500 Max: Up to £10,000 | Standard: £2,000 Max: Up to £10,000 | Standard: £2,000 Max: Up to £10,000 |
** This amount is the maximum payable in any one policy period. ***This amount applies to any one claim.
Step 3 - Optional Extras to suit you
However, that's not all. Different businesses within the retail trade have different needs. One may need high levels of cover against computer server break down, while another may need additional cover for expensive high-tech equipment used away from the premises. That's why we can personalise your quote further to include the following:
|
Buildings
|
Subsidence, ground heave or
landslip
|
Terrorism | Theft by employees (any one policy period) | Equimpent away from the premises |
Computer breakdown (any one policy
period)
|
Legal expenses |
| Rebuild value specified by you | Rebuild value specified by you | Up to the values covered by Buildings and Contents | Money or contents up to £5,000 | Specified by you Unlimited days in the UK (Max 30 days worldwide) | Specified by you | £100,000 per claim £1,000,000 per policy period for employee compensation |
For more information relating to the shop insurance features and benefits, including standard cover, extensions, optional extras exclusions and limitations click here. Please take time to read these inconjuction with the information provided above.
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