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Shop Insurance from Direct Line aims to give you the cover you need as a retailer. Whether you run a tobacconist shop or clothing store, your business could be at risk from fire, theft, malicious damage and public and products liabilities, amongst others.
Direct Line's Shop Insurance aims to cover you against each of these risks as part of its standard cover and then allows you to tailor your policy for your own purposes, adding optional extras or increasing cover levels to suit your particular business.
For full details, please refer to the Shop Insurance policy document, or read on for a guide to our cover: it's a good deal better!
Standard Cover
Trade Contents (including when in transit): all risks cover for contents and stock, fixtures and fittings, and the personal effects of employees and customers as a result of an insured peril such as fire, flood and theft. Cover is also provided for trade contents when in transit.
Public liability: up to £2m of cover for compensation payable arising from injury to third parties or damage to their property caused by you in the course of your business or arising from the sale, supply, servicing/repair or use of the goods that you sell and for which you are held legally liable. You can increase the limit of cover if required.
Employers' liability: up to £10m of cover against compensation claims by your employees injured in the course of employment by you where you are held legally liable, as well as expenses and legal costs arising from such an injury.
Loss of Income & Loss of Book Debts: up to £500,000 of cover against loss of income if you are unable to trade as a result of an insured peril and up to £10,000 of book debts cover
Glass & Fixed Signs: cover against breakage to glass, sanitary ware, any boarding up costs, plus cover against damage to fixed signs.
Loss of Money: cover against loss of money when in transit, in a bank night safe, on the premises, or in the home of a business principal or employee.
Personal Accident & Assault: benefits are payable in the event of bodily injury to you or your employees as a result of robbery. Includes up to £500 of cover against damage to personal effects.
Equipment Breakdown: cover against direct physical damage to trade equipment resulting from breakdown, building collapse or events such as boiler explosions.
Optional Covers
Buildings: cover against damage to your property, its buildings, shop fronts, fixed glass and landlord's fittings, from perils such as fire, flood, and theft.
Loss of Liquor Licence: cover against loss of income, additional expenses, reduction in the value of your premises and/or business.
Personal Accident: benefits are payable in the event of the death or temporary or permanent disablement of specified employees arising from an accident.
Portable Equipment: UK, EU or worldwide cover for specified portable items that will be used away from the business premises.
Interested? Why not get a Shop Insurance quote!
Terrorism Insurance: if you would like to add cover against damage to property and loss of income as a result of an act of terrorism to your Shop Insurance please call us on 0845 301 4827.
Need more information? See our policy document.
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