Commercial coverage
Retail insurance.
A shop carries risk on the floor, in the stockroom and at the till, and the policy should follow all three.
What it covers
The parts worth getting right.
- Stock, fixtures and tenant improvements
- Public liability for customers on the premises
- Theft, robbery and money
- Business interruption after a fire or a flood
Commonly missed
Seasonal stock peaks are rarely reflected in the limit. December inventory can be several times the average the policy was written against.
Get a QuoteWorth knowing
December inventory can be several times your average. A limit set in March will not cover it.
Common questions
Asked most about this.
Can the stock limit flex seasonally?
Many policies allow a peak season increase. It has to be arranged in advance, not discovered at claim time.
What about theft?
Covered, though sub-limits on money and on theft without forced entry catch people out. We go through both.
More commercial coverage
Also under commercial.
Small business
One package, sized to the business.
See coverageBusiness liability
The coverage clients ask you to prove.
See coverageFarm insurance
A working farm is a home and a business at once.
See coverageTransportation and fleet
Trucks, trailers and what is on them.
See coverageCyber security
The claim that arrives by email.
See coverage
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