Retailers Package Policy 
Underwritten by MS Amlin

Retail business insurance can protect your store from potential lawsuits and other losses. The right retail insurance should cover everyday risks, as well as risks that are unique to your individual operations. Accidents that injure customers or damage their property. Disasters, accidents or weather events that damage business property. The retail sector is busy by nature and, however many precautions you take, accidents can always happen. A shop insurance policy should be tailored to suit your business, and can give you peace of mind about your legal liabilities.

Retailers Insurance 

"A suite of covers designed for over 130 retail trades."

Who this Product is suitable for: 

Shop Owners who may own or rent their trading space and retail goods to members of the public with incidental online sales. These could be high street operations with members of the public entering their premises, have a number of staff as well have property which could be at risk to theft, fire, water damage and a number of other known perils.

The Retail Package Policy covers both small corner shops as well as larger retail operations and offers a single solution to meet the needs of over 130 retail trades.

Key points:

Cover arranged with “A” rated carriers. 

Statement of fact basis – no need for proposal form.

Included as standard are the following sections: –

  • Contents & Stock
  • Business Interruption
  • Money & Personal Accident Assault
  • Glass
  • Goods in Transit
  • Deterioration of Stock
  • Book Debts
  • Public & Products Liability
  • Employers Liability
  • Legal Expenses

 Optional additional covers include: –

  • Buildings
  • Loss of Licence
  • All Risks
  • Terrorism

Target market:

  • Aquarium and Pond Suppliers
  • Arts and Crafts Retailer
  • Audio and Visual Retailer
  • Baby Goods Retailer
  • Baby Wear Retailer
  • Baby Wear Retailer (Designer)
  • Bakers (No Baking)
  • Basket/Brushware Retailer
  • Bathroom / Kitchen Equipment Retailer
  • Bedding Retailer
  • Bedroom Shop/Showroom,
  • Betting Shops/ Bookmakers
  • Book Shop
  • Bridalware Shop
  • Builders Merchant
  • Butcher
  • Cake Making and Decorating Shop
  • Camera Shop
  • Camping Equipment Shop
  • Catalogue Returns/Outlet Shop
  • Catering Equipment Retailer
  • CD/DVD/Video Retailer
  • Ceramic Tile Retailer
  • Ceramics & Pottery Retailers
  • Chemist
  • Children's Clothing Shop
  • Children's Clothing Shop (Designer)
  • China and Glass Retailer
  • Clothing Shop (General)
  • Computer Consumable Retailer
  • Computer Game Retailer
  • Computer Retailer
  • Confectioners
  • Curtain/Blind Retailer
  • Cutlery Retailer
  • Dairy Product Retailer
  • Decorators Merchant
  • DIY Retailer
  • Double Glazing / Window Showroom
  • Electric Goods - Domestic Appliances / White Goods
  • Electrical Appliance Retailer - (other than white goods, audio/visual, computers)
  • Electrical Fittings, Components & Accessories
  • Electrical Goods (audio / visual / computers)
  • Fabric Retailer
  • Fancy Dress Retail and Hire
  • Fancy Goods Retailer
  • Farm Produce Shop
  • Fashion Accessory Retailer (Excluding Clothing)
  • Film Processor
  • Fireplace Retailer
  • Fishmonger
  • Florist
  • Freezer Centre
  • Furniture Shop
  • Garden Equipment (including tools and barbeques)
  • Gift Shop
  • Greengrocer
  • Greeting Card Shop/Stationer
  • Grocer (Licensed)
  • Grocer (Unlicensed)
  • Haberdasher
  • Hairpiece / Wig Retailer
  • Hardware Store
  • Hat Shop
  • Health Food Shop
  • Heel Bars / Key Cutting
  • Herb / Spice Shop
  • Home Brew Material Retailer
  • Household Goods Retailer (Excluding Electrical)
  • Ironmonger
  • Key Cutter
  • Lighting/Lamp Shop
  • Linen Shop
  • Lingerie Retailer
  • Locksmith
  • Luggage / Handbag Retailer
  • Maternityware Retailer
  • Musical instrument / Music Shop (Excluding Electrical / Electronic)
  • Musical instrument / Music Shop (Including Electrical / Electronic)
  • Newsagent
  • Off License / Wine Merchant
  • Office Equipment and Furniture Retailer (Excluding Electrical / Electronic Goods)
  • Optician
  • Office Equipment and Furniture Retailer (Including Electrical / Electronic Goods)
  • Perfume and Toiletry Shop
  • Pet Shop
  • Photocopy/Print Shop
  • Photographic Goods Retailer
  • Picture Framer
  • Pictures and Print Retailer
  • Plumbers Merchant
  • Pound Shops
  • Record Shop (Vinyl Records Only)
  • Saddlery and Tack Retailer
  • Sewing/Knitting Machine Retailer
  • Shoe & Boot Retailer
  • Shoe Repairer
  • Soft Furnishing Shop
  • Sports Goods Retailer (Excluding Clothing)
  • Sports Goods Retailer (Including Clothing)
  • Stationer
  • Supermarket
  • Theatrical Supplier
  • Tile Retailer
  • Toiletry Retailer (Excluding Perfume)
  • Tool Shop (Excluding Power Tools)
  • Tool Shop (Including Power Tools)
  • Toy Shop
  • Trophy Shop / Engraver.

Café Insurance 

"We offer a one-stop-shop providing everything a cafe needs in one policy."

Who this Product is suitable for:

Tea Room, Coffee Shops, Sandwich Shop, Cafes & Ice Cream Parlour Owners who may own or rent their trading space and provide hospitality services including food and drink (hot or cold) to members of the public. These could be high street operations with members of the public entering their premises, have a number of staff as well have property which could be at risk to theft, fire, water damage and a number of other known perils.

Whatever’s on the menu at your clients’ place, our Café insurance policy is designed to offer affordable protection to support their business. We offer a one-stop-shop providing everything your client needs in one policy – from Public and Employers’ Liability to cover for their premises and contents as well as interruption to their business and money.

Key points:

Cover arranged with “A” rated carriers. 

Statement of fact basis – no need for proposal form.

Being a package policy, we include the following covers as standard:

  • Business Interruption
  • Public/Product Liability
  • Money & Personal Accident Assault
  • Employers Liability
  • Glass Cover
  • Goods in Transit
  • Deterioration of Stock
  • Seasonal Increases up to 30%
  • Book Debts
  • Legal Expenses.

 Optional additional covers include: –

  • Buildings &/or Tenants Improvements
  • Contents/Fixtures & Fittings
  • All Risks
  • Stock
  • Loss of License

Target market:

  • Tea Rooms
  • Coffee Shops
  • Sandwich Shops & Sandwich Bars
  • Cafes (including frying)
  • Ice Cream Parlours
  • Mobile Catering (Where incidental to the main trade)

Please contact our broker team to discuss this product.     

Call: 0203 488 7193

Email: broker@capitalindemnity.co.uk.

Logo

© Copyright. 2021 All rights reserved.

Capital Indemnity Ltd are Authorised and Regulated by the Financial Conduct Authority. Our FCA Number is 936947. Our Registered Offices are at 15 Seymour Street, London, SE18 6SX. Our Companies House Number is 12904305. Our ICO Registration Number is ZA876843.