Getting the right insurance cover is vital for your retail business.  Without the right protection, you are leaving your business at risk from a variety of potential hazards.

At Henry Seymour & Co, we will assess your requirements in detail and search the market for a selection of policies that meet your needs.  

Whatever your retail trade and whether you trade from a shopping centre, high street or even from home, we will find a suitable policy for you.

If you are unsure what covers you need, just contact us and our friendly advisers can explain the options available.

Typical Policy Cover

Contents

Cover to protect your shop contents, fixtures, fittings, glass and equipment from a range of perils including fire, flood, storm and theft.  Cover often includes loss of frozen food.

Stock

Cover to protect your shop stock from a range of perils including fire, flood, storm and theft.

Money & PA Assault

Cover to protect your shop business money on the premises in and out of business hours, in safes or at the homes of directors or employees.  Benefits are also available in the event that a member of staff is assaulted as a result of theft or attempted theft of money.

Loss of Income

Covers the loss of profits/revenue from your business following loss or damage at your premises.

Public Liability

Covers compensation claims made by the general public, clients and customers for injury or property damage arising out of the negligence of your retail business.

Products Liability

Covers compensation claims made by the general public, clients and customers caused by any products supplied by your retail business.

Employers’ Liability

This is a compulsory cover within the UK if you employ staff and covers your legal liability for injury happening to your Employees whilst at work.     

Legal Expenses

Cover for your legal costs and expenses in pursuing or defending an employment or property dispute.  Compensation available for tax investigations and jury service.  Access to legal helplines is also often provided

Optional Extensions

Buildings

Cover to protect your shop building from a range of perils including fire, flood and storm.  Policies can be extended to include cover for accidental damage and subsidence, heave and landslip.

Terrorism

The insurance industry excludes Terrorism cover from all insurance policies and this valuable cover can be added at an additional cost.

All Risks

Cover is available to protect your retail equipment whilst away from your shop premises.  Typical items covered will include laptop computers and mobile phones.

Equipment Breakdown

Cover for the breakdown and failure of any computers, machinery or equipment including any resultant interruption to your business.

Request a quote NOW or contact us for further information.