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If you own or operate a retail premises or your business simply trades from an office-only premises (ie. there is no manufacture on site) with either a single or multiple locations then you will need a Shop or Office policy.
The majority of insurers offer these products and so they tend to be competitively priced and offer a wide range of cover all under a neat, single and affordable policy.
Under a Shop or Office policy, you would normally expect to protect:
| Covers Offered | Recommended For |
| Material Damage | Protecting your physical assets: buildings, contents, stock etc. |
| Business Interruption | Protecting the income or revenue of your business following a loss |
| Employers Liability | Protecting your employees in the event that they suffer an injury or loss as a result of your negligence |
| Public/Products Liability | Protecting the public from damage to their property or bodily injury caused by you/your business. |
| Money | Protecting your physical cash held on site and whilst in transit to the bank |
| Goods in Transit | Protecting your goods whilst being moved around the country |
| Commercial Legal Expenses | Protecting you against costs of tax/vat investigations, employment disputes, contract disputes and so forth. |
Insurers are always looking for new and different ways to improve their policies, so they will normally have quite high pre-determined limits along with built-in additional covers such as Goods in Transit, Loss of Licence and Commercial Legal Expenses.
If you are unsure which policy is the right one for you or what covers you should be looking out for, please contact one of the Commercial Team to discuss your requirements in more depth.