Shop Insurance

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As a shopkeeper you will know how important it is to make sure that you have the shop insurance that offers your business the complete cover it needs.

This includes safeguarding against a number of risks that may apply to your business. In addition, you will also know that finding shop insurance that is comprehensive and competitive is easier said than done. This is where Alternative are here to help.

At Alternative we still like to talk to our clients in depth. This enables us to ensure that the shop insurance you are looking to buy fully covers all of your business requirements. We understand that one product does not suit all. As well as this buying shop insurance online without researching it properly could prove to be costly further down the line if you do not purchase the cover you need.

Levels

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Employers’, Public and Products Liability Insurance

Buildings and Contents Insurance

Trade Stock and Goods in Transit Insurance

Money held on premises and Business Interruption

Personal Injury by assault

What We Offer

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Cover a wide range of shops, from cafes to chemists

Competitive rates from top insurers

Deal with the same adviser throughout the process

We make sure we understand your business

Will only cover what you need to

Shop Insurance FAQs

Why do I need shop insurance?

Your shop can be the forefront of your business so making sure it’s protected properly can be a crucial part of always keeping your business going.

Shop insurance can cover the buildings, including shop fronts, and contents in case anything unexpected may happen.

We also understand that very shop and business is different, so our team will tailor a policy around your specific needs. They will make sure that you are covered for the right amount. This will help you avoid paying for cover you don’t need, or being under-insured which can be disasterous when it matters most.

Is shop insurance a legal requirement?

Shop insurance is not a legal requirement, although there are aspects of your business that is required to have insurance.

For example, if you have any employees, even just one, then you need to have employers liability in place. This covers you if one of your employees injure themselves at work or you have a dispute. However there is other insurance that although isn’t required by law, many businesses opt to have. For example many businesses take out public liability in case they are sued for injury or damage.

What professions do you cover?

Food retail

Salons and Hairdressers

Clothing

Bakeries and cake shops

Boutiques

Gift shops

Cafes and restaurants

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