Shops & Offices

Seasonal Cover

• This is specific to retailers that have seasonal stock levels which fluctuate substantially at different periods across the year. For example, florists will increase their stock significantly around Mother’s Day. This type of cover enables your “sums insured” amount to be increased for your busiest times.

Online Sales

• If you sell goods online such as on social media or via your website, we can cover liability for certain scenarios, even in different geographical areas, such as damage of goods.

ATM

• ATMs both inside and built into the exterior of your building will need to be taken into consideration on your policy.

Fridges and Freezers

• If you own a supermarket or a small convenience shop, you will more than likely have fridges and freezers in store to keep your stock fresh. However, if they breakdown, the cost of replacing the stock could be expensive. By adding fridge/freezer contents, we can help ensure you will be covered for this additional cost.

Stock

• This covers the loss, theft or the accidental damage of your stock. It’s important to note that stock should be insured for the cost of value and not resale.
• If you sell goods such as alcohol and cigarettes, another type of cover otherwise known as ‘Target Stock’ would need to be added. These products must be specified as they are high risk items in terms of theft.

Work Away

• Work Away covers you for occasions when you are away from your usual business premises. For example, if you are demonstrating your products at exhibitions.

Insurance is based on risk and insurers need to know the level of risk in your business to ensure the correct cover is in place to protect you if the unexpected occurs. If you are a fast food restaurant or café there are certain risks that are specific to your business, therefore it is important to notify us of the following considerations:

• Do you own a deep fat fryer?
• Do you deliver food?
• Do you open late?
• Does your premises have seating?
• Do you serve alcohol?

If you are in the hospitality business, arranging insurance protection for your bar or hotel is vitally important. Our expert team can help you pick and choose the types of cover you need to fully protect your hospitality business.

“Loss of Licence” cover is undoubtedly one of the most important type of cover for pubs, hotels and clubs as without an alcohol licence, you will not be able to run your business at all.

 Below are a few other considerations to take into account:

• Do you open late?
• Do you host live entertainment?
• What leisure facilities do you offer?
• Do you have an open dance floor?
• Do you employ security staff?

Whether you’re an experienced beautician, nail technician, hairdresser or barber with a salon, we can provide a comprehensive, cost-effective insurance policy that ensures your business is protected from any potential risks. A consideration to take into account is whether you specialise in specific treatments.

If so, it may be worth adding ‘Treatment Insurance’ to your policy. This type of cover protects you if your business specialises in beauty treatments, and an injury occurs to a client including if they have a reaction. Other considerations are:

• Do you own sunbeds?
• Do you rent your chairs?
• Do you work away from home?

Depending on the type of business, you can pick and choose which office insurance policies you need to create one tailored package.

Contents ­­All Risk’s

• We can provide content cover on an ‘all-risk’s’ basis. This means we can cover you for all eventualities, in all locations for items such as mobile phones or laptops.

Equipment breakdown

• You can add this to your policy, to safeguard the day-to day operations of your business in the event that your equipment has broken down, including the retrieval of lost or deleted documents or data due to mechanical failure.