What Your Policy Can Include
A well put-together package protects your premises, products, people, and income. Here’s an overview of what we offer:
- Property Insurance to cover the shop, fixtures, equipment, signage, and inventory against fire, theft, vandalism, and insured weather events.
- Public Liability Insurance for injury or property damage involving customers or other visitors on your premises or during deliveries and pop-ups.
- Product Liability Insurance if an item you sell causes injury or damage.
- Business Interruption to replace lost income and help with ongoing costs if a covered event forces you to close or reduce trading.
- Employers’ Liability where you have staff, including part-time and seasonal workers, to meet legal requirements.
- Cyber Insurance for data breaches, hacks, and payment fraud, with support for incident response and regulatory duties.
- Money Cover for cash on premises and in transit, subject to safe storage and collection procedures.
- Glass Breakage for shopfronts, internal glazing, and signage.
- Stock Deterioration following refrigeration or freezer failure for perishable goods.
- Employee Theft (Fidelity) to address losses caused by dishonest acts, where selected.
