Retail & Wholesale

Key Insurance subjects include:

• Buildings

  This will form part of your business insurance and will protect you against damage caused and subsequent financial loss in view of repairs / rebuilding.

• Contents

  This will provide cover for your trade contents at your premises, including all non-fixed items including electrical items, counters, fridges, freezers and furniture.

• Fixtures & Fittings

  This is cover for the permanent fixtures and fittings in the business premises, including items such as shelving, fixed counters and walk-in fridge / freezers.

• Employers Liability

  If you employ one or more staff, then employer’s liability is a legal requirement. This aspect of insurance covers you against injury, illness or even death to your employees.

• Public / Products Liability

  This aspect of liability insurance provides cover for the legal liability should a third party issue a claim against you and/or your business or products.

• Stock

  Your stock is an investment, so it is important to protect this investment in the event of damage and loss.

• Loss of Licence

  Loss of Licence cover, under qualifying circumstances, will provide cover for any reduction in the value of your business or premises following the loss of license.

• Business Interruption

  Business interruption covers loss of revenue as the result of a claim such as a fire or flood.

• Employee Theft

  This additional cover will offer financial protection following acts of fraud or theft by dishonest employees. This can be extended to cover computer fraud, forgery, fund transfer fraud and credit card fraud.

• Treatment Risks

  This is a requirement for trades such as beauticians, hairdressers, tattooists, piercing studios, teeth whitening clinics and cosmetic surgeons.

• Seasonal cover

  It is possible to automatically increase your stock sum insured in designated months to ensure that you are adequately insured should you suffer a loss.