shop insurance

Exclusions and limitations

For terms and conditions please see the policy document

These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to security requirements, alarms and under insurance, as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases. Excesses apply to certain types of claims.

External blinds and signs - cover excludes neon signs. See Section 1, extension 2 of the Policy Document for terms and conditions.

Stock in any cellar - or basement to be placed on racks at least 150mm above floor level - see Section 1 of the Policy Document - Contents of the Shop, item A2 and A3, for terms and conditions.

Goods in transit - Goods in Transit (Security) – if vehicle is left unattended it must be locked at all points of access and in addition it must be garaged in enclosed premises which are securely locked or have a watchman in constant attendance between the hours of 9pm and 6am. See Section 1, extension 3 of the Policy Document for terms and conditions.

Money on Premises - Money left unattended and not contained in a locked safe will be limited to £500. See Section 1, extension 5 of the Policy Document for terms and conditions. > Money cover does not extend to include money in any Automated Teller Machine unless specifically agreed by us and endorsed in your policy. Increased levels of security may be required.

Transition Condition - is a condition precedent to liability that whenever money in transit exceeds £2,500 at any one time:

• a. the money must be accompanied by not less than two responsible adult persons.
• b. not more than £2,500 will be carried by any one person.

Personal Accident - Assault - Age limits of 16 to 70 apply. Compensation for death, loss of limb or sight only applies if they occur within two years of sustaining the bodily injury. See Section 1, extension 6 of the Policy Document for terms and conditions.

Business Interruption - Loss of gross profit to your business following the failure of the public supply of electricity, gas, water or telecommunications is limited to interruption caused by destruction or damage occurring at the premises of the supplier. See Section 2, extension 4 of the Policy Document for terms and conditions.

Unoccupancy - We must be notified immediately if any Shop becomes unoccupied and a suitable extra premium paid if required. See Section 1, clause H of the Policy Document for terms and conditions. Minimum standards of security apply. Theft and theft of money is excluded unless the security requirements are fully complied with - please see General Condition 6 of the Policy Document for terms and conditions and, if indicated in the Schedule, Special Clause 1 for details of our alarm requirements. Click here for details

Asbestos Exclusion - Only applicable to Public and Products Liability We will not be liable for legal liability in respect of injury, loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos. Provided that this exclusion shall not apply to liability for injury, or loss of or damage caused by any commodity, article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage. See Section 3D exclusion m) of the Policy Document for terms and conditions.

Public Liability - Cover excludes work away from the premises other than collection, delivery and outside catering. See Section 3D exclusion h) of the Policy Document for terms and conditions.

Products Liability - Cover excludes injury or loss or damage to property caused by or in connection with goods sold or supplied by you to the United States of America or Canada. See Section 3D exclusion I) of the Policy Document for terms and conditions.