At Brownhill Insurance Group, we’re not just about protecting you after the storm; we’re about helping you avoid it altogether. Our commitment to your peace of mind extends beyond claims, which is why we’ve crafted this guide to help you stop a loss before it happens.
We can provide a fully comprehensive package of insurances for your retail business whether you solely rely on the footfall within your shop premises or you are more reliant on internet based trade we have access to a range of insurers who can cater for most needs.
Also we can look to insure other aspects of your business which do not form part of a standard shop insurance package policy.
Standard Covers Available
Covers the offices, outbuildings, gates, fences and boundary walls.
Tenants improvements to a property paid for by the policy holder. This can include redecoration, extensions, and structural alterations.
Covers items within the premises such as furnishings, furniture, equipment and machinery in the event of loss or damage.
Provides cover for stock in trade, wines, spirits and tobacco in the event of loss or damage.
Business interruption insurance provides cover for “consequential losses”. Cover will only ever engage where a valid claim arises under the material damage sections of the policy.
A consequential loss generally will be the reduction in turnover or Gross profits caused by the insured event.
- Gross Profits
- Loss of gross income
- Increased and / or additional cost of working
- Loss of rental income
This section provides cover for goods in transit such as items bought at a cash & carry.
- Money cover is provided to protect business money at the premises
- Personal Accident is an extension / additional coverage in adjunct to money cover
It provides a lump sum payment to a staff member taking money to a bank who is assaulted. A weekly benefit is usually also payable if the staff member is off of work as a consequence of the assault.
Employers Liability is a legal requirement if you have any employees.
- Legal Liability for injury caused to third parties
- Third party property damage
This list is only a small selection of the available additional covers and services for Shop Insurance:
- Glass (if not covered under the Buildings Sections)
- Legal Expenses
- Professional Indemnity
- Business Travel
- Directors and Officers
- Computers breakdown
- Cyber Liability
- Disaster recovery
- Cover for portable equipment anywhere in the world
- Health and safety advise, procedures and policies
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Brownhill Insurance Group Limited is authorised and regulated by the Financial Conduct Authority, registration Number 3061311.