Tradesman’s Shop Insurance Quotes online
Value for money Shop insurance for Trades who operate shops and business premises open to the public.
Direct Line Shop Insurance
Direct Line’s Shop Insurance aims to cover retailers against these risks as part of its basic cover and then allows them to mould their policy to their requirements by adding optional extras or increasing cover levels.
Standard cover:
•Contents including engineering breakdown
•Employers liability
•Public/products liability
•Business interruption
•Loss of money
•Personal accident (assault)
Optional cover:
•Buildings (all risks)
•Loss of licence
•Personal accident
Further selling points:
•Business interruption included as standard. (Up to £500k loss of income sum insured)
•Free 24 hr advice lines including glass replacement, locksmith services and legal advice.
•Emergency assistance (rapid response from reputable local contractors to deal with emergencies on your premises e.g. burst pipes, drainage problems, gas, electricity failures, serious roof damage)
•Goods in transit in own vehicles up to £2k (£750 for tobacco, wines and spirits)
•£15k cover for loss of perishable goods following breakdown of the storage equipment
•£200 standard excess for Contents & Buildings
•Engineering breakdown
Key features of Shop Insurance / Retail Trade Insurance
The standard Tradesman Shop Insurance policy includes…
- Business contents (for example shop counters, shelving, cash registers) and stock cover for any amount to a maximum of £250,000, subject to limits on high risk stock (security conditions may apply)
- Public and product liability for injury to the public or damage to their property, up to £2m
- Employers’ liability for damages, legal costs and expenses following injury to your employees up to £10m
- Loss of income caused by an insured incident, up to £500,000 over a 24 month period
- Up to £2,000 cover for goods including up to £750 for wines and spirits in transit in your vehicles
- Loss of money
- Accidental damage to your Shop contents
As well as increasing many of the above limits you can extend cover to include:
- Your buildings (with a rebuild value up to £2m)
