Shop Insurance from BusinessCover4U
Our shop insurance package offers wide ranging insurance covers, at competitive rates and at sustainable prices. Unlike some brokers, we are not tied into any one insurer. We have access to multiple markets across a range of A rated insurers, ensuring we give you our best price and package. Our highly knowledgeable staff will take the time to work with you to find you the right cover, at the right price.
Our shop insurance includes all the below - as standard.
- All Risks Cover for Property Damage - such as seasonal increase of 30% stock, changing of locks, glass, business cover whilst away from premises, debris removal, loss of metered water up to £10,000.
- Assault cover - in the event of assault, you and your employees are covered whilst carrying money belonging to your business up to a limit of £25,000.
- Money Cover - protection against loss of money belonging to your business when on premises, in transit, night safe, home, employees home and including gaming machines - up to £5,000 payable.
- Product Liability and Public Liability insurance cover - we include £2 million of cover as standard. You can increase this if required.
- Employers Liability - to ensure you are fully protected, we include £10 million of Employers Liability as standard.
- Business Interruption - our package comes with this cover as standard to ensure that your business is protected. The standard policy limit is the greater of £500,000 or 3 times the total contents sum insured over 12 months.
- Legal Expenses Insurance - protection for legal costs and expenses arising from specified civil and criminal incidents in connection with your business.
- Frozen Food Cover - Up to £2,000 per freezer cover against deterioration of foods following breakdown of refrigeration.
We also give you*:
- Online safety training - including office safety
- Online Health & Safety Management - allowing businesses to create compliant H&S documentation
- Business Law - a vast library of documents to help every business comply with Employment Law and H&S legislation
- Legal Expenses - up to £500k limit including contract and tenancy disputes
- Free legal advice & employee stress counselling hotlines
* This is only valid on Towergate policies
Cover Provided By:
Need more cover? Here are some optional extras
- Employee Dishonesty - protect yourself against losses caused directly by theft, fraud or dishonesty committed by your employees. Up to £25,000 payable.
- Computer Breakdown cover - we will cover you should your computer equipment breakdown. We'll also pay up to £25,000 to cover any increased cost of working as a result of computer breakdown. It also includes cover for temporary repairs, computer incompatability, computer rental costs.
- Loss of Licence - Up to £100,000 payable shoud your interest in the premises or in the business reduce as a result of non-renewal or withdrawal of your licence from causes beyond your control.
The level of cover will depend upon the package you choose.
