Shop Insurance

Shop Insurance

Shop Insurance products are designed to meet the demands and needs of clients wishing to protect their assets, earnings and legal liabilities of their business. At Dixons Commercial Insurance Brokers we have access to a wide range of Shop Insurance products that can be tailored to meet your needs.

You will typically expect the following elements of cover under a Office Insurance Policy:

Buildings

All risks cover for buildings, including the cost of demolition, removal of debris, shoring or propping up, architects and solicitors fees
Loss or damage arising from subsidence, ground heave and landslip is available as a further optional extension

Contents

A shop policy will offer All Risks cover which includes loss or damage to fixtures and fitting, contents, computer equipment, stock, tenant improvements and business records including theft cover and subsidence

Business Interruption

Cover options are:

Loss of Income as a result of loss or damage by any cause covered by the Contents section. The sum insured and indemnity period is selectable

Additional expenses to meet additional employment costs, any additional abnormal expense and the cost of obtaining and occupying temporary offices or surgeries

Book debts cover up to £500,000 to cover outstanding debts that cannot be traced if your accounts are destroyed

Liabilities

Public Liability covers your legal liability in connection with your business for accidental injury to members of the public or accidental damage to property not owned by you up to the limit of indemnity as shown in the Schedule

Employers’ Liability covers your legal liability to your employees for death or injury in the course of their employment with you up to £10 million any one claim

Claims examples

  • A shelf has not been stacked properly and it collapses, injuring a customer
  • An employer injures his back whilst putting out stock without the required support
  • Thieves break into the shop steal some goods.

Other covers you might consider:

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