Shopkeepers insurance is a single policy or set of policies tailored to the needs of physical store businesses, whether small, independent retailers or a chain of stores with multiple locations.
In most cases a shopkeepers insurance policy is comprised of other common forms of business insurance, such as public liability and employers liability. The benefit of opting for shopkeepers insurance is that business owners enjoy a fully comprehensive policy that encompasses all of the protection needs of most small shops.
A common type of cover found on a shopkeepers policy is protection against accidental damage. This will cover damage incurred to blinds and signs, glass, goods in transit, freezer contents and even lottery equipment. Other types of accidental damage cover may include damages incurred at external sites such as exhibitions, money and key theft, as well as cover against personal injury through assault.
Being tailored entirely with shopkeepers in mind, we can also help you find policies that take into account seasonal trends and other aspects that ultimately have a detrimental effect on the running of a business. These may include losing an alcohol license, legal expenses in the event of court orders and other legal action, protection against employee theft and even terrorism cover.
Cover against rent and accounts payable duties may also be included in some shopkeepers policies, as well as protection against unwanted business interruption, whether as a result of a third party or any other unforeseen event.
Insurance Policies for Shopkeepers
Shopkeepers insurance policies therefore provide protection against a plethora of unforeseen circumstances, many of which will affect most shopkeepers at some point during the business’s lifetime. As with all business insurance, it is important to try and keep costs to a minimum.
We’re dedicated to finding you the best price without compromising on the quality of your cover.
For multiple store locations, we will also take into account the number of assets as well as the condition of each structure, subsidence or anything else that may cause damage to the building.
For reliable and affordable shopkeepers insurance, be sure to speak with one of our friendly and knowledgeable staff.