Shop, Office & Retail

Your office is the home of your livelihood, so making sure you have suitable office insurance in place is a fundamental part of business continuity. Working in an office may seem relatively low risk. However insuring your liabilities against slips, trips and falls for clients and employees, as well as protecting your assets and equipment, is essential.

Office insurance at a glance

Our product range for Office Insurance policy is ideal for many office-based businesses and can include:

• Contents insurance cover
• Employers' liability insurance cover
• Commercial legal expenses cover
• Public liability cover

Whether you are looking for home business insurance, or office insurance for premises that you own or rent, we can help you source comprehensive cover to let you work without worry. Peace of mind knowing that you’re protected should something happen is crucial.

There are many professions that can be covered under an office insurance policy, including charity insurance, accountants insurance, solicitor insurance and many more.

Most business office insurance packages will include public and employers' liability as standard, as well as offering cover for your computer equipment and office furniture to a limit that you specify. There are many additional benefits that are typically included within a business office insurance policy, from business interruption to book debts, loss of documents and legal expenses protection.

Dependent on the nature of your business, there may be additional insurance products to cover you against eventualities that the standard office insurance package may not include. Professional indemnity cover can be purchased as a standalone product, to protect those offering advice or carrying out design work. If you are a key stakeholder within the business, then directors and officers insurance should be considered to safeguard against breach of duty, neglect or breach of trust on behalf of key persons.

We can source insurance for a variety of trades in this sector, from a panel of insurers to provide comprehensive cover to safeguard your enterprise.

We understand the varying exposures associated with office risks, from liabilities to loss of documents, clients to computers; we source comprehensive insurance for your business to let you work without worry.

Having helped many businesses arrange their insurance protection for a number of years, we’ve got a great understanding of the covers you need most.

Shop insurance is specifically designed to cover a range of activities and retail trades. There are many considerations to make when placing your shop insurance to ensure that you have comprehensive protection for your livelihood.

Shop insurance at a glance

Our product range for Retailers is ideal for many all businesses and can include:

• Buildings, contents and stock cover
• Public liability insurance
• Employers' liability insurance
• Goods in transit cover
• Business interruption
• Commercial legal protection

Insurance for your shop is designed to cover high street shops, businesses based in shopping centres, and other retail outlets. The nature of a retail business presents a number of risks, and as a shop owner you have a responsibility to your customers, employees and suppliers, so shop insurance is a must for any retail owner.

Your trade will determine covers that are most relevant to you. Your buildings, equipment and stock will need covering, or you may just want shop contents insurance if you are leasing your premises. There are a number of other covers to consider when placing your commercial shop insurance. For example, if you own a convenience store, you may be selling alcohol, in which case loss of licence cover would be an important part of your business insurance. On the other hand, if you were a florist, then automatic seasonal increase cover for stock would be a necessity.

With members of the public and suppliers regularly visiting your premises, public liability cover is essential. Accidents can happen when you least expect, no matter how careful you are. Having cover in place to safeguard against these unforeseen events is a crucial part of business continuity. If someone tripped over and sustained an injury, you may be liable to pay compensation. Public liability insurance will take care of this for you.

As an employer, even if you only have part time staff, you are legally required to insure against any accidents your staff may sustain whilst working for you. Both employers' liability and public liability cover are typically combined to form part of a retail shop insurance package, designed to protect you against a host of possibilities that could have a financial impact on your business.

Whatever your shop insurance needs, the ability to continue to trade following an incident and get back on your feet as quickly as possible is crucial. Business interruption takes care of this eventuality, so if your property is damaged following an insured event, your income and expenses would be protected while you get back up and running.

We can arrange shop insurance and ensure you get the right cover, at the right price. Our business insurance specialists are on hand to talk you through your specific retail shop insurance requirements.