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Shop insurance

The retail industry can be challenging. Shops are vulnerable to break-ins, robberies, vandalism and fire, while, depending on the situation, other threats may exist. For example, in today's society, customers are more likely to seek recompense if they are injured while on your premises or by the goods you supply.

Towergate Riskline specialise in providing shop insurance and we have specialist advisors on hand to make sure you get the right level of cover in place. Our shop insurance policy includes employers, public and products liability cover.

Key features of our shop insurance

• Loss or damage to contents on an 'all risks' basis
• Glass
• Business interruption
• Money including personal accident (assault)
• Employer's liability - £10,000,000 any one claim
• Public liability - £2,000,000 any one claim - higher limits available
• Products liability - £2,000,000 aggregate limit - higher limits available

Optional extras of our shop insurance

• Deterioration of refrigerated stock
• Buildings
• Goods in transit
• Loss of licence

Excesses of our shop insurance

• From £250

Key exclusions of our shop insurance

• Where cover is arranged on an 'All Risks' basis exclusions will apply for example corrosion, rust, electrical mechanical breakdown, depreciation, wear and tear, gradual causes, damage whilst items are being cleaned, repaired altered adjusted or maintained (this list is not exhaustive)
• Damage by storm, flood or escape of water to stock in basements unless raised at least 150mm above the floor
• War, invasion or act of a foreign enemy
• Terrorism