Shop Insurance

Do you own a shop? Maybe you have a chain of stores?

If so, then your needs are probably best suited to a Shop Insurance package. When it comes to insurance, your retail outlet is specific, and will carry its own unique needs. That’s why its best to get some impartial advice from one of our team and let us do the hard work for you.

Our Shop Insurance policies can cover a wide variety of trades and typically come as a package that you can add to or remove from, in order to make the product fit your requirements. This flexibility ensures that you are not paying for covers you do not need.

We have access to a broad range of A rated insurers offering competitive premiums; call Tricketts today and we will talk you through your options: 01706 212231.

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COVER OPTIONS

Buildings

If you own the shop building, protect against damage from standard perils and thieves.
Contents

Covers may include furniture and shop fittings.
Stock

Ensure to specify stock values of alcohol and cigarettes if applicable as these are deemed high risk.
Employers Liability

Cover for injuries to your employees whilst at work or because of the work they do.
Public & Products Liability

Damage to third party persons or products caused by either default products or work whilst on your premises.
Computer Equipment

Cover for your electronic equipment.
Tenants Improvements

Improvements made to the building i.e. new kitchen or bathroom.
Money

Cover for the money within the business. Usually different sums insured for different locations.
Theft by Employees

Often referred to as Fidelity.
Goods in Transit

Stock being carried in a vehicle i.e. to and from the warehouse or from shop to shop.

These are the main covers but not an exhaustive list. Please enquire for covers not listed

OPTIONAL ADD-ONS

Personal Accident

In case of personal injury or disablement that leaves you unable to work.
All Risks

Portable property taken away from the premises i.e. tablets, laptops, mobile phones, cameras etc.
Legal Cover

This is to help towards legal fees if legal action is taken against you or if you need to take legal action against others.
Business Interruption

Protection against loss of profits and helps you stay in business in the case of an event such as a fire or theft.

These are the main add-ons but not an exhaustive list. Please enquire for add-ons not listed

We Can Insure:

Carpet retailers
Hardwear retailers
Clothing retailers
Home & Gift shops
Florists
Butchers, Bakers…candlestick makers!
Ironing shops
Newsagents
Pet Shops
Opticians
& Many many more…

Many insurers will offer extended stock cover limits over Christmas, summer and Easter periods.

Did You Know?

If you employ staff on any basis, you are required by law to have Employers Liability. EL insurance will help you pay compensation if an employee is injured or becomes ill because of the work they do for you. Standard issues of cover is £10m.

Employers Liability

Stillage conditions often apply to retail policies. This means stock should be kept off the ground on racks or shelves.

Stillage

We can provide policies that offer lower premiums when insuring more than one property at the same time, even if they have different trading names. When you acquire new properties we can add them ‘pro-rata’, which means that the renewal date will be the same.

Multiple Properties

On October 19, 2015 /

COVER OPTIONS

Buildings

Contents

Stock

Employers Liability

Public & Products Liability

Computer Equipment

Tenants Improvements

Money

Theft by Employees

Goods in Transit

OPTIONAL ADD-ONS

Personal Accident

All Risks

Legal Cover

Business Interruption

We Can Insure:

VIEW ALL INSURANCE PACKAGES +

BUSINESS

HIGH STREET

LANDLORDS

PERSONAL

MOTOR & FLEET

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