Shops and Salons

Our Service Standards

We understand your business and its inherent risks. We will provide you with excellent impartial advice, for your business and individual insurance requirements, at competitive cost.

We will provide first class professional service, working closely with you on your business. We will provide you with a fast track claims settlement service.

All Retail and Salon combined policies that we recommend, from our panel of insurers, provide cover for the following as minimum cover:

Property Damage

Cover for your Buildings, Fixtures, Machinery, Contents, and Stock following loss or damage.

Business interruption

Cover for your loss of profit or revenue or increased costs of working following loss or damage to your property including Loss of Licence

Money

Money cover is important for businesses that may have more than the usual petty cash on their premises. Cover is provided for cash and crossed cheques on the premises, in a safe, and in transit to/from the bank including at Directors' homes

Goods In Transit

Cover is provided for loss or damage to your goods whilst being transported in the Uk only, subject to overnight restrictions in cover, as may be defined in varying policies. If goods are transported overseas, a separate marine policy will need to be taken out to provide this protection.

Deterioration of Stock

Deterioration of stock in the event of the failure of frozen cabinets, cold stores/rooms, can be provided. It is also possible to extend this cover to include business interruption flowing from this specific risk.

Employers Liability

Required by law if you employ staff, including part time, trainees, subcontractors or even instruct someone to carry out an action on your behalf, however casual.

Public/Products Liability

Cover for your liability to others in respect of damage you cause to third party property or personal injury to such third parties, including liability arising out of products that you sell.

Legal Expenses including 24 hour helpline

Cover for your legal expenses in defending your business in respect of employment disputes, civil disputes, contractual disputes, Inland Revenue investigations can be provided. The policy includes access to a free 24 hour legal advice, counselling helpline.