Retail
Shop window and stock.
The most common claims are broken glass, theft and damage to stock.
- Glass and signs included
- Stock with a seasonally adjustable sum insured
- Theft with and without force
Shops and offices
The straightforward policy for high-street businesses.
A shop, an office or a clinic does not need the complexity of an industrial combined policy, but it does need the essentials: buildings, contents, glass, liability and assistance that arrives the same day. The real cost here is not the premium: it is being closed for a week.
- Glass
- Included
- Temporary closure
- Compensated
- Assistance
- Same day
Every business, its own policy.
Offices and practices
Equipment and liability.
What matters most is your IT equipment and continuity of service to your clients.
- Electronic equipment
- Document reconstruction
- Temporary relocation if the premises become unusable
Clinics and health centres
Equipment and patients.
What needs protecting is the diagnostic equipment, the clinical furniture and your liability to patients.
- Medical equipment breakdown
- Public liability
- Supplemented by medical professional indemnity
Cover tailored to you.
The essentials for your premises, in a single policy.
- Buildings, contents and stock of the premises
- Glass and sign breakage
- Public liability
- Theft and water damage
- Loss of profits and temporary relocation costs
- Emergency assistance with a repairer
What happens on business premises.
A lorry hits the shop window while manoeuvring.
How the policy responds
Immediate replacement of the glass and recovery from the party responsible through the policy.
A customer trips over a display stand and is injured.
How the policy responds
Public liability cover takes on the defence and the compensation.
A leak from the floor above floods the office.
How the policy responds
Water damage, affected equipment and, if you have to close, loss of profits.
If the premises are rented.
The policy covers your contents, your fit-out works and your liability to the landlord for any damage you cause to the premises.
We review your lease, as many require specific cover and sums insured.
- Tenant's fit-out works
- Tenant's liability
- Compliance with what the lease requires
Frequently asked questions.
Does it cover rented premises?
Yes. It insures your own contents and any improvements you have made, as well as your liability to the landlord.
What happens if I have to close because of a claim?
Loss of profits cover compensates your fixed costs while you cannot open, and some policies pay for temporary relocation.
Does it include the shop window?
Breakage of glass and signs is standard cover and, in retail, one of the most frequently used.
Your premises cannot afford to be closed for a week.
We will prepare a proposal covering buildings, contents, glass, liability and loss of profits, tailored to your premises.