Shop insurance – Frequently asked questions
Why do I need shop insurance?
A retail or shop insurance policy covers you against legal liabilities and risks you face as a retailer.
Public liability insurance enables you to meet the cost of damages which may be awarded to members of the public for injuries sustained in your shop.
Employers’ liability insurance enables you to meet the cost of damages and legal fees for employees who are injured or made ill at work as a result of your negligence.
Shop or retail insurance allows you to cover these risks as well as insuring the shop assets in one easily managed policy.
What is business interruption insurance?
If your company premises were to suffer the consequences from the event of a fire, or other insured disaster then business interruption insurance can aid in covering for your costs during the period of disturbance and your loss of earnings.
What is public liability insurance for shops?
You have a legal obligation to pay damages awarded to members of the public for injury, disease, illness, or damage to their property as a result of your disregard. Without Public Liability insurance, such events will not be covered.
What is employers’ liability insurance for shops?
If an employee was to suffer from an injury, illness or disease as a result from working with your business it becomes your legal liability. Prior to such an event, Employer’s Liability insurance cover should be acquired to pay the damages.
We are competitive on price. We can offer same day documentation issue. We offer expert advice for your insurance needs. We also have access to a number of specialist policies to suit your needs, so why delay?