Products/Retail Package
Commercial packageRetail Package
A complete package for shops and retailers — stock, contents, premises, money and liability on one policy, with trade-specific stock splits built in. Turnovers up to £5m.
What’s covered
The cover, in detail.
Material damage
- Buildings — optional, Day-One reinstatement
- Contents, fixtures & fittings, incl. computer equipment
- Tenants’ improvements & landlord fixtures
- Stock — general, wines & spirits, tobacco, jewellery, mobile phones, power tools and more
- Glass
Business interruption
- Gross income / gross profit, for a set indemnity period
- Increase in cost of working
- Rent receivable
- Book debts
Money & personal assault
- Money — on premises, in a safe, in transit and in the home
- Personal assault benefits for you and your staff
Also included / optional
- Computer breakdown — £25,000 included as standard (certain insurers only)
- Trade all risks (optional)
- Goods in transit (optional)
- Deterioration of refrigerated & frozen food stock (optional)
Liability
- Employers’ liability — £10m any one occurrence
- Public liability
- Products liability
Employers’ liability£10,000,000 any one occurrence
Computer breakdown£25,000 as standard (certain insurers only)
Optional / selectable
Subsidence, heave & landslipAccidental damageVoluntary excess — £1,000 or £2,500
A summary of cover, not a statement of policy terms — the policy wording governs. Sums insured are set per risk, and availability, covers, limits and terms are subject to appetite and underwriting.
Who it’s for
Is this your client?
Independent shopsSpecialist retailersConvenience & high-street storesMixed retail premises