Business Insurance for shops, retailers and offices will come in all different shapes and sizes. You may be a florist, furniture shop or a bakery based on the high street or operate online through an eCommerce website, each face a unique set of risks relevant to your trade. However, there are a number of similarities in cover that a Shops and Office insurance package can provide.

  • Buildings cover - Buildings insurance cover will cover the costs to repair or rebuild your building caused by accidental damage, theft damage, fire, flood and more.
  • Contents, Fixtures and Fittings - Contents insurance will cover damage to your contents, fixtures and fittings and loss from fire, flood, theft or accidental damage and more whilst at your business premises.
  • Stock - We can cover stock, including merchandise goods, which have been sold and not delivered for the price sold to your customer (stock in trust). Stock insurance cover also protects your stock and equipment from a loss arising from damage or loss caused by fire, flood, theft or accidental damage and more.
  • Business Interruption - Business Interruption cover will help to protect your loss of income in the instance of a claim such as a fire or flood damaging your premises, leaving you unable to trade and help you get back up and running.
  • Public and Products Liability - This insurance provides cover for claims resulting from bodily injury or third party property damage as a result of negligence caused by your business activities. If your shop or office is open to members of the public, or you sell products to customers, then this cover is for you.
  • Employers Liability - If your business has employees or volunteers, then by law you are required to have Employers Liability insurance cover. This covers you for claims from employees who sustain injury whilst in employment.

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