shop insurance

Exclusions and limitations

Please refer to the policy document for terms and conditions.

Click here for Standard Cover

The following exclusions and limitations apply to the office and surgery insurance policy. For a full list please refer to the policy document:

• 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 indireclty 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 commodilty 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

• Stock in any cellar or basement must be placed on racks at least 150mm above floor level – See Section 1 of the Policy Document - Contents of the Shop, item A2, for full details
• Goods in Transit – if vehicle is left unattended between 9pm and 6am then the vehicle must be locked at all points of access and kept in a locked garage – See Section 1 of the Policy Document - Contents of the Shop, item E3, for full details
• Pollution or Contamination is excluded other than by a sudden and unforeseeable incident which takes place in its entirety at a specific time and place during the Period of Insurance – See section 3(b) of the Policy Document – Public and Products Liability, item C. Pollution or contamination occurring in the USA or Canada is excluded.
• 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 full details and, if indicated in the Schedule, Special Clause 1 for details of our alarm requirements. See also the leaflet headed “Important Information” supplied with your quotation pack for a detailed statement of requirements
• Your Duty of Care (see General Condition 9 in the Policy Document). You must take all reasonable steps to prevent/minimise loss, damage, Injury or accident and to minimise the cost of claims or legal proceedings and keep all Property Insured by the Policy in efficient condition and good repair. You must also take reasonable care when selecting Employees
• Terrorism cover is excluded, but can be considered – see General Exception 6 in the Policy Document
• Date recognition exclusion. The inability of systems correctly to recognise any date as its true calendar date. See General Exception 7 in Policy Document
• E risks exclusion (not applicable to Employers Liability, Public Liability, Personal Accident or Sickness and Commercial Vehicle Insurances). Excludes loss, destruction of or damage to any computer equipment or financial loss due to programming or operator error, virus or hacking. See General Exception 9 in Policy Document

Policy excesses:

• £250 minimum for storm, flood, escape of water, malicious damage, theft, glass, accidental loss or damage, public liability, damage to third party property, loss of freezer contents
• £1,000 minimum for subsidence
• Minimum excesses for optional covers as indicated - the quotation/Policy schedule shows the excesses which apply
• The quotation/Policy schedule shows the excesses which apply

Adequacy of sums insured. Your sums insured must represent the full cost of replacement as your cover is subject to Average i.e. if you are under insured, we will only pay a proportion of your claim. For example the sum insured should represent the cost of:

• Buildings - rebuilding as new including an allowance for professional fees and removal of debris
• Trade contents - replacement as new
• Stock replacement at peak levels

Specific endorsements may be applicable and these are detailed fully in your Schedule and Policy Document