Retailers

If you run an independent retail business, we can arrange a package of insurance especially designed to suit your needs. Retailer policies cover a wide range of businesses from shops selling a variety of goods to online stores with warehousing as well as catering for outlets in the beauty industry.

Contact us to discuss your business and how we can help you. Whilst you are browsing, here are the main covers you will be buying under a retailers package policy

Property 
Protect the building if you own it and all your stock and contents from Fire, Flood, Theft and more.

Business Interruption
In the unfortunate event of an incident you will have to consider loss of income whilst the premises is closed and an increased cost to running the business whilst you are getting back on your feet.

Money & Assault
This section will cover loss of money from your premises whilst you are there or on your way to the bank, plus a smaller level of cover for money left on your premises overnight. Policies also include a pay out to you or your employee if you are assaulted whilst carrying money belonging to your business.

Employers Liability
A legal requirement for you if you employ staff, a package policy will automatically include cover to protect you against your legal liabilities for bodily injury to employees up to a limit of £10,000,000.

Public & Products Liability
If a third party injures themselves or their property is damaged whilst at your premises, you will need this automatic cover. Limit of liability usually £2,000,000.  For salons the cover can be extended cover professional treatments you may offer.  

Commercial Legal Protection
A valuable cover which provides protection for legal costs arising from specified incidents in connection with your business.  Examples of covers would be employee disputes, tax protection and contract disputes.

You can buy extra covers if they are needed such as cover for frozen foods should your freezers breakdown, employee dishonesty, personal accident cover and loss of your alcohol licence should you have one. We will suggest to you other covers you may require.

Have more than 3 sites? This is no problem, ask us about large commercial retailer policies which are tailored to your exact needs.