Retail

The main features of our retail insurance policy:

• Public Liability – As standard our retail policy provides cover for public liability and product liability of £2 million which can be increased if required.
• Employers' Liability – Cover for up to £10 million under our retail insurance policies. Don't forget that under UK employment law if you have any employees it is a legal requirement to hold employers' liability insurance.
• Business Interruption – As the retail insurance specialists we know that over 80% of businesses go bankrupt after a serious fire if they are not properly covered. It's an alarming statistic therefore our package comes with this cover as standard to ensure that your business is protected.
• Buildings Cover – We provide buildings cover at the level you require, this can also be extended to cover any damage caused by land subsidence.
• Contents Cover – Got specific requirements? No problem! We can tailor levels of cover to meet your specific retail insurance requirements. We can extend contents cover to provide cover for the loss or damage to electronic equipment and also tenants improvements as well as fixed and removable shop fittings.
• Stock Cover – Retail insurance with a standard cover of £1,000 for wines and spirits as well as £1,000 for tobacco and cigarettes. We can arrange additional cover and shape the policy to your exact requirements.
• Money & Assault Cover – With reported cases of violent robbery never far from the news protecting your staff is of paramount importance. Lifestyle provide various levels of cover for money handled by you and your staff. In addition we also provide cover for any injuries sustained following assault, robbery or attempted robbery whilst operating your retail business. We don't just limit this to your business premises, we extend it to cover monies kept at home overnight and also carried upon your person whilst on your way to the bank.
• Loss of Licence – We appreciate that it can be difficult for even the most respectable businesses to maintain their licenses and operate within the licensing laws. We can provide cover in case you loose your licence allowing you to retail alcohol. Our standard cover is for any loss in income and reduction in the value of your business following the loss of licence, in qualifying circumstances up to £100,000.
• Theft by Employees – Our standard theft cover available on our shop insurance package only provides cover for theft involving forcible or violent entry to your premises. If required we can add cover to protect you against employee dishonesty.
• Goods in Transit – £2,000 standard cover for loss or damage to your business goods whilst in transit as we understand many retail businesses need to get goods from one place to another, whilst on the road accidents can happen, and may affect your stock.