Offices & Shop and Retail Insurance is a package of insurance that covers both, stock and contents as well as public & employers’ liability insurance that can be tailored to specific business needs.

We offer a series of quotations from the leading insurance companies for Offices Shop and Retail premises.

If you have employees then you need, by law, employer's liability insurance. Public Liability insurance, stock, contents, loss of profits and buildings insurance can also be taken out.

Who is it for?

• Offices
• Surgeries
• Shops
• Restaurants and take-away food establishments
• Pubs

Benefits

• One-Stop 'Shop' - There are potentially many elements required for adequate Commercial Insurance cover. You can get them all by using Halton Insurance.

• Stock Protection - If you hold stock on the premises insurers will generally allow you to choose how much stock to cover and it will be protected against standard perils including fire, flood and theft etc.

• Contents & Fittings - You can cover valuable contents and fittings separately from the Building.
• Money Cover - If you store cash on site, this can also be insured against theft including travel to the bank.

• Peace of mind - Once all the essentials are protected, you concentrate your efforts on running the business.


Things to watch out for

• Adequate cover - whether you are covering your contents, your stock or any money stored on the premises it is essential that you calculate the right amount of cover to purchase. Purchase too little, and should you lose everything, the insurer will only pay a proportion of the claim.

• Exclusions - Always read the policy documents carefully to check the extent of the cover. For example, the most common exclusion is that you are not covered for theft if you do not take the required security precautions.

• Optional Covers - Some insurers will include some extra cover in the standard policy. Others allow you to choose exactly what cover you require and charge accordingly. Ensure you are not paying for something you don't require.

• Security precautions - Most insurers will state that you need to comply with their minimum security precautions. This normally involves things like having a certain type of alarm, specific locks on external doors etc. If you are not complying with the specified precautions then you may invalidate your policy.

• Material changes - If you take on any extra employees, or increase the amount of stock you store on the premises, you should inform your insurer instantly, as they may charge an additional premium. Conversely, should you reduce the size of your business the insurer may be prepared to re-quote you at a cheaper price.

How do I know what additional covers to purchase?

The important thing is to match the nature of your business with the insurance you are buying. Make sure you pick the covers that apply to you.

Do I need to buy employer's or public liability insurance separately?

No. These covers are included as standard in the policy. You only need to purchase the one policy for all your insurance needs.

My current insurer has already offered me a renewal quotation, why go through the hassle of getting another quotation?

Insurance is not a product such as a pint of milk where the price is fairly established. By shopping around, you can often save significant sums with different insurers, as they all take different views on the levels of risk.

CLICK HERE TO SEE A LIST OF ACCEPTABLE TRADES

The easy way to arrange your insurance with us:

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Call us on FREEPHONE 0800 980 1795