Retail Insurance

A policy that offers extensive cover, including £500,000 legal expenses as standard, and has the option to increase the majority of core cover limits.

Single and multiple location retail premises including online traders that have storage but no physical customer access. Typically for businesses that have less than £500,000 in stock and £5 million sum insured per premises.

Your stock-in-trade, money, public and employers’ liability are all included, plus electronic equipment such as cash registers and computers. If you carry high theft-risk stock such as spirits, tobacco or car radios you must declare a separate sum insured for these because they will affect an insurer’s view of what is adequate security in your case.

• Public Liability

  Up to £10 million public liability. Covers you against financial loss due to a liability claim brought against you for injury or damage to a third party.

• Employers' Liability

  Covers you for the cost of compensation claims brought about from an employee's illness or injury, That was sustained while carrying out work for you. Employers' liability is a legal obligation if you employ people (unless exempt), and you could be fined £2,500 for each day you're not covered.