Shop insurance policies provide cover for the risks involved
in running a retail business. Typical shop insurance policies
will include cover for
Buildings (if required)
Contents (shelving, racking etc)
Stock
Electronic business equipment (cash tills, point of sale machines etc)
Business interruption
Damage to external signs, canopies and shutters
Glass cover
Cash on the premises
Public liability insurance
Employers’ liability insurance
Standard perils covered by a shop insurance policy will include damage caused by fire, earthquake, lightning, flooding, storm,riot and civil commotion, malicious damage, impact, theft by forcible or violent entry/exit and accidental damage as well. Shop insurance meets the needs of small and medium sized retail businesses operating a single outlet as well as larger businesses operating chains of many outlets.
Why is Shop Insurance important?
By the very nature of retail businesses, customers will visit the premises to make their purchases. It is therefore vitally important that the shopkeeper takes out a suitable retail insurance policy that includes public liability insurance to protect the business against claims for injuries to its customers (this can include slipping or tripping over in the shop or items falling from shelves and striking them).
Shops also tend to hold a high level of stock for sale and this also needs to be covered against loss or damage by the insured perils.
Who should have Shop Insurance?
Shop insurance is essential for all shopkeepers and retail businesses whether they operate one outlet or a chain of many.
How can Castle Grove help?
Castle Grove Insurance can provide suitable shop insurance through a panel of leading insurers. Cover can be arranged for most retail businesses from antiques shops and clothing retailers to newsagents and supermarkets. Contact us for further details or click the link below for an instant online shop insurance quotation.
