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Property Damage, Money, Business Interruption, Employers Liability, Public Liability

Suits: Retail Businesses

A comprehensive package offering retail customers a wide range of covers as standard with scope to tailor cover to match their individual needs

Additional Options include:

Documents

Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.

Hobby Arts & Crafts

Books, Toys, Educational & Stationery

Clothing & Footwear

Sandwich Bar Cafe Deli & Bakery

Furniture & Lighting

Decorating & DIY

Newsagent

Off Licence

Factors we will take into account to make our sweet spots even more competitive.

Single Tenancy

Good Risk Management

Low Claims Frequency

Non-combustible Construction

Central Station Monitored Security Alarm

Risks we would never write, or write only rarely forming a small part of a wider portfolio.

Vacant Risks (without other Business connection)

Treatment/Dispensing Risks

Licensed Premises

Risks with high liability claims frequency

Our standard cover consists of:

General trade stock – options to include cover for tobacco and alcohol are also included
Other trade contents
Buildings cover or tenants improvements cover
For buildings/tenants improvements and contents/stock, cover can be provided on a standard fire and perils basis including accidental damage with the option to include subsidence
50% seasonal stock increase for Christmas and Easter (or a period of the same length of the customers choice)
Goods in transit cover of £2,500 - option to extend to £10,000
Unspecified all risks items to £2,500 - option to increase
£1,000 cover for damage to frozen and chilled food - option to increase
Public/Products liability is automatically included to £2,000,000 - option to increase
Loss of liquor licence cover to £100,000 - option to increase
Money cover from £1,000
Business interruption – gross profit from £500,000