Retail / Shop / Salon Cover

Specialist Business Risks Team

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Retail / Shop / Salon Insurance

Trading from a shop, salon or retail premises, having the right insurance cover for your business is important. We understand that every business is different so we offer policy options you can tailor to the needs of your company.

A combined shop / retail / salon insurance policy can cover your business’ premises, contents, equipment, stock, business machines, fixtures and fittings and computers if it is damaged, lost or stolen. Also includable are Public, Products & Employers’ Liability cover and extended Treatment Liability Risk, if required. In addition, you can also add a range of specialist covers to your policy: portable equipment (all risks), business interruption including rent payable / receivable, legal expenses, personal accident, directors & officers liability, goods in transit, fidelity guarantee, money and glass and work away from your premises, where required.

What can Retail / Shop / Salon insurance cover me for?

Buildings, Contents, Fixtures, Fittings, Computers
Money incl. Personal Accident / Assault
Stock, Business Equipment
Loss of Rent Receivable / Payable
Non manual work away
Legal Expenses cover

Business Interruption / Loss of Revenue
Fidelity Guarantee / Goods in Transit
Public & Employers’ Liability
Treatment liability cover
Fire Brigade Charges
Loss of Book Debts / Glass & Framing

You may need Retail / Shop / Salon insurance cover if you:

operate a retail, shop, salon or boutique business
work from a retail / shop premises
own your own premises, business machines, computers & equipment, contents, fixtures & fittings, stock etc.
have employees working for you either at or away from your premises
carry out work away from your business premises
have clients / customers visit you at your business premises
apply professional treatments to you customers

Why have Retail / Shop / Salon insurance?

To protect your business from the following;

damage to, loss or theft of business premises, contents, business machines, computers & equipment or stock
claims from a client or member of the public due to injury or illness suffered by them as a result of your negligence either at your premises or elsewhere (including treatment risk)
claims from an employee for injury, illness or death during the course of their work for you either at your business’ premises or that of a client or customer’s
loss of business revenue due to damage to your premises and / or it’s contents, stock, computers & equipment or business machines etc.

How Retail / Shop / Salon Insurance protects you and your business..

Covers you when you have to pay compensation to a client, employee or member of the public for an illness or injury or damage to their property and your business is at fault
Pays out legal fees spent in defending a claim
Compensates you for loss to your business property, contents, stock, computers & equipment or business machines