Shop and retail insurance

If there is an insured event such as a flood or fire on your premises and the space becomes damaged, buildings insurance will pay for the costs of repair or rebuilding. This cover also pays for debris removal and architect fees.

It also includes equipment breakdown (for items forming part of the building), such as a broken boiler or fire/burglar alarms, as standard. We'll cover the cost of repairing or replacing the equipment, as long as the damage is not due to wear and tear.

It doesn't matter if you run your retail empire from the high street or your spare bedroom, if your working premises became unusable due to an insured event like a fire or flood, business interruption covers you for lost revenue and relocation costs.

If your main suppler or customer has damage to their premises that means they can't trade, we'll cover you for the loss of business you'll suffer.

Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

If you trade online and are the victim of a malicious hacking attempt, cyber cover will pay for the costs you are required to pay to resolve the situation. It covers the compensation and defence costs that result from data breaches or accidental virus transmission. We also cover loss of income in the aftermath of a cyber attack and the cost of investigating a ransom demand.

In addition, following a cyber incident we will provide access to specialists in public relations and crisis management, identity theft assistance and advice to help you prevent future incidents.