Our team will ensure that your policy is tailored to your business and you are not paying for sections you do not need.
Some of the standard cover can include:
– Buildings Cover – This is the full cost of rebuilding the property in the same form, style and condition as exactly before the loss. This sum must include an amount for professional fees and debris removal costs. If you are unsure of your building sum insured, then seeking professional help from a qualified surveyor would be advised.
– Contents Cover – Your contents must be insured for the full cost of replacement as new. Radio, television aerials and satellite dishes attached to the home must be included in this sum also.
– Public Liability – Public Liability Insurance covers the legal and compensation costs you are required to pay if a member of the public makes a claim against your business should they accidentally injure themselves or you cause damage to their property. All of our policies offer £2,000,000 Liability cover as standard with the option to increase that figure to £5,000,000.
– Employers Liability – It is a legal requirement for you to hold this insurance if you have employees, this includes apprentices and trainees. Employers’ liability covers you in the event of injury, illness or death to your employees arising from their employment. All of our insurers offer a minimum of £10,000,000 Cover.
– Business Interruption – This provides cover for financial losses caused by material damage to the property such as fire or flood.
– Stock – Your stock is all the items you sell and will be divided into two sections, general stock and target stock such as wines and spirits.
– Loss of Licence – Loss of Licence cover allows businesses protection against losses they may incur in the event that their alcohol licence be revoked by their local authority. It will also cover the costs and expenses you may incur when applying to have your licence reinstated.
