Whether you are a newsagent in a small village or a grocery store on a main high street, your shop or retail premises are your livelihood and should be protected by insurance against the risks associated with running a small business. Ask yourself what if there was a flood or fire at your premises? What if a member of the public trips and hurts themselves? What if your glass frontage is smashed? Are you covered? When considering your insurance requirements you must ensure that adequate cover is in place for your stock, money, shop frontage, glass, contents including your computers and electronic equipment such as your till and card reading machines, fixtures and fittings, buildings (if applicable), goods in transit, public liability and employers liability.
At Invicta Business we package up these important and in some cases legally required cover elements under one simple policy. We have made obtaining an instant quotation for your shop as quick and easy as possible. By clicking on ‘Get a Quote’ in the top right hand corner of this page you can obtain a competitive quotation.
Within minutes we will have searched our panel of insurers to find you a competitive retail shop quotation. You can then purchase immediate cover to protect your business and issue documents accordingly.
Our retail shop quotation process is simple yet offers flexibility enabling you to tailor your cover to your exact requirements. The policy is able to include buildings, contents, computers, stock, frozen stock, business interruption, public liability and Employers Liability a legal requirement in the UK.
Shop insurance or Retail insurance as it is commonly known, is a package policy encompassing all the vital areas of cover required for your retail business. Combining various areas of cover including buildings, contents, stock, shop fronts, glass and money, retail insurance is specifically designed to meet the needs of shop owners whether your premises are on the high street, in a shopping mall or in a local village.
Shop owners have a duty of care to protect their staff and customers so in addition to the important cover benefits above the retail package insurance also extends to include Public & Employers Liability cover. Public Liability insurance protects you should a negligent act on your part cause damage to property or injury or death to one of your customers as they would then have the right to take legal action against you. Employers Liability works similarly but protects your employees should they get injured or die as a result of your negligence.
By clicking on ‘Get a Quote’ you can obtain a great value for money retail insurance quotation very simply and efficiently in a matter of a few moments. We think that you may be surprised as to how much cover the policies can offer at such competitive rates.
Ask yourself this: if an incident occurred at your shop like a burglary, fire or escape of water would you be able to continue trading faced with losses or damage to your stock and other items? A shop insurance package would cover these damaged items and also offer very important business interruption cover which would continue to maintain your profits for the relevant insured period. This additional cover could also be used to re-advertise once open or to trade from an alternative temporary shop premises whilst repairs are carried out. In addition it is very important to remember that it is a legal requirement for companies in the UK to have Employers Liability insurance cover in place if they have any employees working for them.
In addition to assisting you with your shop insurance requirements we would be delighted to help you with your vehicle insurance too. Whether it is a single commercial vehicle or estate car or a fleet of larger vans or trucks, we have a wide range of individual motor or business fleet policies to suit your needs at competitive rates.
You may also wish to consider increased Goods in Transit cover should you deliver large quantities of goods or items of a high value. Often shopkeepers also take up Personal Accident cover with us so that they can still receive an income should an accident mean they are unable to trade.
Finally, from a legal stand point some shops will have equipment or machinery that has a legal requirement to be safety tested once or twice a year. We can take the hassle away from you by securing excellent rates for Engineering Inspection policies. We can also include commercial legal expenses cover that will offer you some legal defence should you be involved in a legal dispute including contract disputes, employment disputes, property disputes, criminal disputes and tax investigations by HMRC.
Simply click ‘Get a Quote’ to obtain competitive cover for your standard retail insurance requirements.
For further details or to receive a quotation for these additional benefits please contact us on 0330 0450032 for assistance.
If your retail business is in shared premises or grounds like a farm shop or antique barn, sells goods of an unusual nature or with higher stock values, is an online shop working from home such as an Ebay shop or you have a chain of retail premises with a high turnover please contact us for immediate bespoke assistance on 0330 0450032.
We look forward to assisting you with all your retail and shop insurance requirements.