Our team of experienced staff are here to provide expert insurance advice if you run a shop or office. We take the time to understand the risks and challenges associated with your specific business.
Nearly every corner shop, salon, florist, dental surgery or office-based business will need Employer’s Liability as it is required by law if you have any staff. Buildings and Contents Insurance may also be fundamental to your policy. Our job is to help you assess any additional elements of cover you may need, so you have a tailored package that safeguards you against a wide range of risks to your business.
Shop and Office Insurance can include:
Fridges and Freezers
Insurance is based on risk and insurers need to know the level of risk in your business to ensure the correct cover is in place to protect you if the unexpected occurs. If you are a fast food restaurant or café there are certain risks that are specific to your business, therefore it is important to notify us of the following considerations:
If you are in the hospitality business, arranging insurance protection for your bar or hotel is vitally important. Our expert team can help you pick and choose the types of cover you need to fully protect your hospitality business.
“Loss of Licence” cover is undoubtedly one of the most important type of cover for pubs, hotels and clubs as without an alcohol licence, you will not be able to run your business at all.
Below are a few other considerations to take into account:
Whether you’re an experienced beautician, nail technician, hairdresser or barber with a salon, we can provide a comprehensive, cost-effective insurance policy that ensures your business is protected from any potential risks. A consideration to take into account is whether you specialise in specific treatments.
If so, it may be worth adding ‘Treatment Insurance’ to your policy. This type of cover protects you if your business specialises in beauty treatments, and an injury occurs to a client including if they have a reaction. Other considerations are:
Depending on the type of business, you can pick and choose which office insurance policies you need to create one tailored package.
Contents All Risk’s
Cyber-attacks are unfortunately more and more common and as consumer technology develops, the need for Cyber Insurance is becoming much more significant in the Retail, Hospitality and Service industries.
Businesses are handling more data than ever before in terms of performing sales transactions, handling services and repairs therefore it is imperative to ensure that appropriate protection is in place.
We can boost your cover to include Cyber Insurance in your business policy that will counteract the treats posed by hackers to your data, as well as protection for your brand.
Inspections are an essential aspect of ensuring the safety of your employees and customers. This policy covers you for a “competent person” to undertake the required inspections and provide recommendations and advisement, if needed.
Typical equipment that requires specialist Inspection insurance includes:
Computer cover can often be included in your business policy to help add an enhanced level of protection for your devices as well as providing cover for: