Whether online or on the high street, we’ve got you covered

  • Appetite

    Our shop package product has been designed to cover the majority of independently owned retail businesses, with a turnover up to £5 million.

    Our product covers a wide footprint of shop and salon trades including:

    • Grocer
    • Bakery
    • Gift Shop
    • Wine retailer
    • Menswear retailing
    • Shoe retailing
    • Hardware retailing
    • Florists
    • Post Office
    • Supermarkets
    • Sports Goods retailing
    • Newsagents
    • Hairdressers
    • Barbers
  • Highlights

    We offer a wide range of cover in a standard package and include trade specific extensions, such as the hair and beauty treatment risk extension. We give a generous range of additional covers as standard – here is a sample:

    • Theft Damage to Buildings
    • Theft of Keys
    • Seasonal Increase
    • Loss of Attraction
    • Notifiable Diseases
    • Prevention of Access
    • Trace and Access
    • Essential Employee
    • Lottery Winners

    Our policy is 'average' free.

  • Key product benefits

    We’ve got all the covers you’d expect but the following is where our Shop cover really excels:

    • Our property covers are average free (material damage, goods in transit, deterioration of stock and specified items all risks)
    • Capital additions up to £500,000 or 10% of the sum insured for buildings and contents whichever is the lesser
    • Exhibition cover included up to £10,000
    • Trace and Access cover up to £25,000
    • Business interruption £2 million limit given as standard (24 month indemnity period)
    • Essential employee up to £10,000
    • Loss of attraction up to £250,000
    • Money on premises during business hours limit £7,500 (option to increase).
    • Deterioration of stock cover £10,000 as standard (limits available up to £15,000)
    • Good in transit £2,500 given as standard (limits available up to £15,000)
    • Public and products liability £2 million standard limit (limits available up to £10 million)
    • Employer's liability £10 million
    • Court attendance costs £750/week directors and partners, £250/week employees
    • Hair and beauty treatment cover given as standard
    • Optional covers available include Specified All Risks, Loss of Licence, Personal Accident, Terrorism, Employee Dishonesty and Legal Expenses
    • Access to our Cyber Protect Helpline which offers expert digital forensic advice following cyber crime and DAS legal helplines
  • Documents