New policies only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply. .
We know running a supermarket, off-licence, newsagents or grocery store is hard work. Especially in the ever-changing retail environment.
Despite doing so much to make your business a success, sometimes things go wrong. That's where our personalised insurance for shops such as supermarkets can help safeguard your business and protect you. If a customer trips on some boxes or your premises become unusable due to a burst pipe, your business will be in trouble.
Enjoy the peace of mind that, should the unexpected happen, we'll be there to help get your business up and running again as quickly as possible.
We know there are many variations between the 500,000 businesses we already insure.
We also understand the difference between supermarkets, off-licences, and convenience stores, so unlike some insurers that offer an 'off-the-shelf' policy, you can personalise your insurance so that you only pay for what you need. For example, if you don't have staff, you can leave employers' liability off your policy. Or if you hold lots of cash at your premises, you can choose to insure against theft of takings.
The retail world is constantly changing. To help combat this, convenience store owners invested £534m last year to improve their shops and attract customers. All of which might mean updating insurance policies to stay covered.
To make this easy for you, you'll have just one policy and one renewal date that you can change whenever you need, without amendment fees.
So if you purchase an expensive new till and want to insure it, or if business is booming and you need to insure more stock, you can easily add these onto your policy.
To further simplify things, if you own multiple premises, you can put them all on one policy. Plus, your documents are available to download instantly, should you need to quickly display them in your shop.
You can add any of the below cover options to create an insurance policy that's tailored to your business needs. These covers are subject to policy conditions and limits.
Public liability insurance covers you if you cause injury to a member of the public or accidentally damage someone's property. An example of this could include a customer slipping on a wet floor in your shop or office and hurting themselves, or causing damage while carrying out buildings works on a client's house. You'll be held liable for the claim if you have not taken adequate precautions to prevent any accidents or damage occurring.
This insurance also covers you if a customer or member of the public becomes ill or suffers an injury because of a product you have supplied. For example, if the heel snaps off a shoe someone has bought from you, causing them to fall over, or if a cupcake you sell at an event makes someone sick.
If the people in question pursued legal action against you, public and product liability insurance would cover the costs you are liable to pay. We can offer cover from £1 million to £10 million. Plus, we can cover costs to help you defend the claim.
If there is an insured event such as flood or fire at your work premises, buildings insurance will cover the costs of repairing the damage, helping you get back up and running.
Equipment breakdown cover (for items forming part of the building) is included as standard. This will cover the costs of replacing or repairing things like your broken boiler and fire/burglar alarms, as long as the damage is not due to wear and tear.
Contents and stock cover is for businesses that supply goods or rely on specific equipment to run their business.
A seamstress would not be able to work without a sewing machine, a web designer would not be able to code without a computer and you may not be able to run your business without your trusty tablet.
Other general items that you might rely on for your business, like your office furniture or your shop tills, are covered by insurance. So, if your business contents are damaged by an insured event, such as fire or theft, your business can continue as normal.
If you sell goods, you can also insure them against damage or theft, whether they're raw materials or the finished article.
Our different cover options allow you to insure your business stock and equipment at your premises and when you're out and about. Whether you work at home, at fairs, in shared workspaces or visit lots of clients, we've got you covered. And when you insure stock at your premises or home (excluding bed and breakfast and tradesperson premises), you'll also get an extra 25% of stock covered for two months of your choice as standard, ideal for your busiest periods.
Employers' liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can find out more about on our employers' liability page.
We'll cover you up to £10 million, as standard. This cover includes the legal and compensation costs you must pay if an employee gets injured or becomes ill because of the work they do for you.
When you insure your contents or stock, you'll get equipment breakdown cover as standard. This means you can insure the essential machinery needed to run your business, like cookers and dishwashers. If they break down, we can cover the cost of repairing or replacing them, as long as the damage is not due to wear and tear.
Similarly, if you choose to insure your premises, we'll automatically cover the items that form part of the building, such as your boiler or fire alarm. The breakdown must not be due to wear and tear.
Theft of Takings covers cash or cheques stolen:
Maximum limits conditions and exclusions apply.
Business interruption insurance offers cover if your workplace is unusable after an insured event such as a fire, theft or flood. Whether you run your business from home, an office, a shop, a client's location, or a shared workspace, business interruption insurance can help cover any loss of income until your business can operate at the same level as it previously did had the damage from the incident not occurred. If you need to temporarily relocate due to this damage, we may also pay for the relocation costs if it's economically viable.
If your main supplier or customer's premises get damaged due to an insured event and they can't trade, we'll cover any loss of turnover for your business. We can only do this once their insurer accepts the claim and manages the repairs to their premises. Similarly, if there's an incident, such as a fire, at a location where your business frequently trades, and you can't trade elsewhere, we'll cover the loss of turnover for the time the premises are unusable.
Business interruption will also cover you if key equipment that you use to run your business, like a laptop, is damaged or stolen, meaning you can't trade.
If you, an owner, partner, director, trustee, or other essential employee of your business die or become seriously disabled as a result of an injury caused by accident and violent means, and are unable to continue working, we'll cover the incurred costs, up to £25,000, to minimise any interruption to the business.
This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients. Legal expenses cover can only be used if there is at least a 51% chance that the claim will succeed.
If you hold sensitive customer data, process payments online, or just want peace of mind, cyber cover could be a good option to help protect your business. Cyber criminals can catch you off-guard and trick you into doing something you shouldn't, like opening an attachment in a fake email or finding a way through your cyber security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be serious.
But, with our cyber cover, you can call the experts, 24/7. They'll help you to stay in business and recover in three ways following a cyber incident:
Find out more about cyber cover.
Available on new and renewal policies for eligible retail, and office and professional trades. Cover is up to the limit in your policy schedule for all claims made in the year. You must follow our requirements for data backup, firewalls and antivirus protection. You'll find these requirements and all other terms and conditions in your policy booklet.
Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity. Including temporary or permanent hearing loss and loss of speech for tradespeople.
We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.
If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.
You can choose Personal Accident as an add-on once you've completed your quote.
If you have commercial premises, you can extend your cover, for an additional premium, to include property damage as a result of an Act of Terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents, and business interruption (depending on which covers you have taken).
This includes:
If you choose business interruption cover on your policy, terrorism cover will also include any interruption to or interference with the business, due to damage to your premises resulting from an Act of Terrorism. It will also cover you if you're unable to access your premises as a result of an Act of Terrorism within one mile of your business.
Acts of Terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.
Terrorism cover is only available for properties located in England, Wales and Scotland.
Terrorism insurance is optional, so an additional premium will apply.
You can include Terrorism cover on your policy by calling us on 0345 301 5066 when you take out your policy or at renewal, as it cannot be added to your policy mid-term.
When you get a quote, we'll send you a personalised policy document that shows the cover you've chosen.
These can also be found when you log into your account.
Here you can find examples of our latest retail insurance documents, which show the main covers we offer, plus exclusions.
We cover shops such as:
If your type of business isn't listed above, it doesn't mean we won't cover you. To find out whether we can cover your business, go to our help page.
At the moment we don't insure:
Our policies are constantly being reviewed and developed. If we can't cover you now, hopefully we'll be able to in the future.
Our virtual assistant is ready to answer your questions.
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