Shop Insurance Package

Shop insurance or retail insurance is a requirement to keep you, your business and any employees you may have protected. As a business owner you are always at risk from many eventualities, for instant malicious damage to your premises, theft of stock via a burglary or employees, damage by storm, flood or fire could seriously threaten your business.

To ensure your retailer insurance offers the best cover, check out these points:

  • List your business electronics, like computers, lap tops, printers, scanners, telephones. Check the sum insured under the policy is adequate to cover all your assets including stock fluctuations.
  • Shop insurance is unlikely to cover the value of your data and specialist software – just the hard drive that stores the information, so back up online to a remote server. Those hard drives will go down at some time anyway, so online backups are a sensible precaution. Computer cover can often be included under a shop package- check your cover
  • Check your locks, bar the windows and look for weak-spots that are out of sight that burglars can exploit. Fit CCTV and PIN code locks for extra peace of mind. Your policy will require a minimum level of security- make sure you can comply.

Typical features our Shop Insurance Packages may include cover in respect of;-

  • Stock including seasonal increases
  • Contents & computer equipment ( including computer breakdown & book debts)
  • Glass & signage
  • Money & assault
  • Goods in transit
  • Legal Liabilities

– Employers

– Public

– Commercial Legal Expenses

  • Work away from the premises
  • Industry specific covers such as loss of licence, hair & beauty treatment risks
  • No Claims Discount
  • Business Interruption
  • Loss of metered water
  • Engineering breakdown cover in respect of essential items such as tills
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  • About

    Established in 1972, Thomas Carroll is a multi discipline risk consultancy covering business and personal insurance, financial services, health, safety and employment law.
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