shop insurance

Standard cover

Please refer to the policy document for terms and conditions.

For relevant exclusions and limitations please click here.

Our shop insurance policy covers the following as standard:

Business contents - Our policy covers your trade contents and stock, all you need to do is inform us of the value of the sums insured. This will cover you against a wide range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises.

Business interruption - This helps you stay in business by covering loss of gross profit and reasonable expenditure incurred as a result of a loss covered under Section 1 of the policy. A gross profit sum insured of £500,000 with an indemnity period of 12 months is our standard cover.

Loss of accounts receivable - Covers money up to a maximum limit of £25,000 that customers owe your business, but cannot be collected, due to a loss covered under Section 1 of the policy to your books of account or business records.

Loss of liquor license - If for any reason you lose your liquor licence due to circumstances outside of your control then we will cover you up to £100,000 against the depreciation in the value of your property and subsequent loss of profit.

Public and Products Liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay in respect of accidental injury to any person who is not an employee or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business.

Employer's liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.