| Shop Insurance – Frequently Asked Questions |
Why do I need shop insurance?
A shop insurance policy covers you against legal liabilities and risks you face as a retailer.
Public liability insurance enables you to meet the cost of damages which may be awarded to members of the public for injuries sustained in your shop.
Employers’ liability insurance enables you to meet the cost of damages and legal fees for employees who are injured or made ill at work as a result of your negligence.
What is business interruption insurance?
Business interruption insurance covers your retail business against losses incurred following a loss which is covered by your shop insurance.
For example, if you were unable to trade because of a major fire at your premises, business interruption insurance could pay for your lost earnings and costs during the period of interruption.
What is public liability insurance?
Public liability insurance covers your legal liability to pay damages awarded to members of the public for injury, illness, disease, or damage to their property, sustained as a result your negligence.
What is employers’ liability insurance?
Employers’ liability insurance covers your legal liability to pay damages awarded to an employee for an injury, illness or disease which has resulted from working for you.
What types of shops do you cover?
We arrange cover for all types of Shops & Retail Units
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