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There’s nothing better than turning your sign to ‘Open’ every morning. However, it’s important to be aware of how open your business is to the day-to-day risks it encounters.

Standard policies provide:

  • Employers’ liability insurance: protects you from claims made by your employees who may have fallen ill or been injured through the fault of your business
  • Public liability insurance: protects you from claims made by members of the public for accidents or injuries occurring on your premises
  • Stock protection: cover for your stock against standard risks (eg. fire, flood, theft etc)
  • Contents and fittings insurance: covers the contents and fittings of a shop separately from the building – particularly useful if you lease your premises but own the fittings.

Additional cover is available to suit your specific business, including:

  • Buildings and/or tenants improvements
  • Subsidence
  • Fidelity (Employee dishonesty)
  • Computer breakdown
  • Outstanding book debits
  • Business travel
  • Personal accident
  • Cover for items away from the premises
  • Frozen food
  • Loss of licence
  • Liability for work away from premises
  • Treatment risks
  • Goods in transit
  • Legal Expenses.

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