Cover for all risks of physical loss or damage to your own stock and the property of others that is in your care whilst:

• at your own premises and in storage
• at unnamed locations on a temporary basis
• carried by you and/or your employees away from your premises
• entrusted to others within your trade
• being sent from your premises by courier and other postal services

We have a flexible basis of valuation to suit your needs and in the event of partial damage to an item we will pay the cost of restoration plus any resulting depreciation in value.  We will also take into account any increased value that an item has by virtue of it being part of a pair or set.

Includes the saleshop, residential accommodation, any outbuildings used in connection with your business or for domestic purposes and landlords fixtures and fittings.  Cover under this section also includes damage to glass and sanitary ware, the cost and expense incurred to locate the source, and repair any damage caused by locating the source, of water and/or oil leaks (up to £2,500) and loss of rent (up to 15% of the buildings sum insured).

We will also provide £2,000,000 Property Owner’s Liability when buildings are insured.

We will provide cover at your premises for your trade fixtures and fittings, machinery and all other contents including:

• fixed glass in windows, doors, showcases, counters and shelves
• the shop front and any external signs, fitments and blinds that are fixed to the buildings
• any telephone installation, gas or electricity meter
• computer systems records
• tenant’s improvements and decorations
• pedal cycles, clothing and personal effects of you and your employees up to £500 any one person that are contained within your premises and belonging to you or for which you are responsible.

We will also provide the following additional cover under this section at no additional cost:

• Up to 15% of the trade contents sum insured for property temporarily removed from your premises for cleaning, renovation, repair or similar purposes.
• £2,500 of trade contents whilst at exhibitions or fairs within the United Kingdom or Republic of Ireland.
• £1,000 for cost of replacing locks following the theft of keys to the premises or to any safe or strongroom.
• £2,500 excess water charges following the loss of metered water as a result of damage to fixed water pipes, apparatus and tanks.
• £2,500 for the cost and expense incurred to locate and repair any damage caused by locating the source of water and/or oil leaks.
• Debris removal costs incurred for removing trade contents following damage by an insured event.

Money

Business Interruption

Our standard limit of liability is £10,000,000 and extends to cover your directors, partners or employees anywhere in the world on temporary visits on your business for the purpose of non-manual work.

We will cover your stock and inwards entrustments whilst at any trade fairs or exhibitions, including transit thereto and therefrom by an approved method.

Cover for expenses incurred in connection with fairs and exhibitions when you are unable to attend by reason of sudden and unforeseen life threatening accidental injury or illness or death of your principals, employees or immediate family.

This provides indemnity against financial loss to the business caused by the purchase, in good faith, of stock where you do not acquire good title.

Cover for liability at law for damages and claimants costs and expenses arising from wrongful valuations.

We will cover your trade contents, i.e. laptop computers, digital cameras and the like, away from your premises.

Cover for property insured whilst contained within a fully secured and locked unattended vehicle under the sole control of you, your employees, representatives or travellers.

Our standard limit of liability is £10,000,000 and extends to cover your directors, partners or employees anywhere in the world on temporary visits on your business for the purpose of non-manual work.

This will provide cover for legal costs and expenses incurred by you in defense of certain legal and civil proceedings and for certain disputes with employees, former employees or customers. The maximum amount we will pay of any insured event which results in a valid claim being made under this section will be £50,000 per insured event subject to an overall annual aggregate of £500,000.

We will provide cover for acts of terrorism that cause loss or damage to your insured stock, trade contents and buildings with England, Wales or Scotland. We also provide terrorism cover for your stock when in transit anywhere in the world.

Cover for acts of dishonesty by or in collusion with your employees.