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  • Audio/Visual
  • Cloth retailers
  • DIY and Homeware
  • Food - Grocers
  • Sports and Leisure


We’ve got all the standard covers you’d expect but here’s where our covers really excel:

  • If you lose any income following an incident that you are insured for under the policy at your premises we will pay you the shortfall up to £2million per location up to 10 locations over a 24 month indemnity period.
  • If, during the course of business, a director, business partner or essential employee dies or sustains an injury which means they can’t perform their usual duties we will pay reasonable expenses incurred by you up to £10,000.
  • Frozen food – £10,000 limit if there is a change in temperature or failure of electric supply, we will pay for the costs of replacing and repackaging up to £10,000.
  • High money limits – for money kept at home, in transit, on the premises or in an unspecified safe.
  • Standard goods in transit starting at £2,500 with flexible limits up to £15,000 covering your property or goods from one location to another by road.
  • We will increase your cover automatically for three months during peak seasons with the flexibility to increase the time if required.
  • If you acquire a new premises, our SME policy will cover your buildings and contents at this location up to a maximum of £500,000 or 10% of the sum insured, as long as you tell us as soon as reasonably possible and the business is similar to that which you already have insured.


Sales Aid

pdf icon   Zurich's SME Proposition

Policy documentation

pdf icon Shop Policy

pdf icon Shop Policy Summary

pdf icon Insurance Act Notice to Policyholder


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