Incorporating Hargreaves Perkins Insurance Brokers
British Insurance Brokers' Association | Member

Shop & Retail Insurance

Many insurers offer bespoke package policies for shops and retailers, covering property damage, theft, business interruption, money, liabilities, and sometimes legal expenses and personal accident. Premiums are generally inexpensive if claims experience is satisfactory.

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Shop & Retail Insurance

Many insurers provide a bespoke ‘package’ type policy for shops and retailers, catering specifically for all their general insurance requirements.

Premiums are generally inexpensive (assuming the claims experience is satisfactory).

The main insurances included are:

  • Property Damage & Theft (Buildings, Glass, Contents etc.)
  • Computers (separate wide cover, some insurers)
  • Business Interruption
  • Money on the premises, in safe, in transit
  • Employers’ Liability
  • Public Liability
  • Products Liability
  • Legal Expenses (some insurers)
  • Personal Accident (some insurers)

Rowlands & Hames have access to numerous insurers competing in this market.

Defence costs against allegations of wrongdoing against individual directors’ & officers’ (and other senior staff) known as ‘D&O’, against the legal entity itself known as Corporate Liability; and defence costs and compensation payments in relation to employment disputes known as Employment Practices Liability.

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Protection against losses following cyber-attacks (ransomware, hacking attacks, reinstatement of systems and data), defence costs & fines (in some circumstances) in relation to GDPR & Privacy issues; loss of gross profit, PR costs and the like.

 

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Mike Watkinson Dip CII | Account Manager
Mike Watkinson Dip CII
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