Why do I need shop insurance

It’s been an incredibly tough few years for retailers across the UK. The consumer slow down and cuts have seen high street stores suffer at the hands of the country’s economy. It’s now something of a rarity for people to hit the shops on a weekend, everybody is cutting back and desperate for sales and half price items. This of course no good for your business as a shop owner.

Retailers have seen little improvement since 2007. Profits have suffered and there are drastic decreases in custom. As a result of this, some retailers have had no choice but neglect their shop insurance. This has of course had immediate effects on profit as they aren’t paying an insurance premium. However, this will definitely come back to haunt you as you will not have employers liability insurance. If ever something happened you would not be covered if anybody tried to claim.

Shops actually suffer more broken windows and vandalism than any other business. Despite this being a simple example of a claim, a window could cost around £500. This of course isn’t the be all and end all of your worries. There’s a high chance that a lot of your stock would have been taken! Shop insurance would have covered this for you no problem.

There’s also the potential of somebody slipping over in your shop. What if you forget to put a wet floor sign out? We live in this compensation culture and the ‘no win no fee’ vultures take pleasure with this sort of thing. It’s impossible to suggest what the cost of compensation would be if you did not have the right shop insurance!

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If you require information then please call us on 0121 6289494 Mon – Friday 9:00 – 17:00

Or Email us: info@shopinsurance.co.uk


Beauty salon insurance

Just one compensation claim is enough to sweep your business from beneath your feet. In this day and age the ‘no win no fee’ policy haunts the standard employer each and every day. The need for health and safety regulations and insurance cover is top priority. More and more high street stores experience vandalism every day; it doesn’t matter if you work in a restaurant, shop, bakery or beauty salon.

Of course insurance policies are important for any corporation in any industry. However with things like beauty salons where you’re the sole owner, you are under plenty more risk than other companies. The shuddering blow of a claim will certainly be enough to diminish your business, so it’s absolutely vital to ensure that proper beauty salon insurance is put into place before business opens.

There are plenty of procedures that take place in a beauty salon, for instance, hair removal, injections and laser treatment. This industry is considered a high risk business and should be fully protected with insurance.

It’s vital to cover everybody working at your salon too. What if there’s a fire, accident, something stolen or injury? There are so many things that could happen in any high street building however, with beauty salons there are actually more risks.

So what insurance can you get?

Well there’s the employer’s and public liability insurance, this will cover damages, expenses and all legal costs should somebody get injured. There’s also the business content and product insurance. There are plenty of desirable products in beauty salons so it’s important to be covered if something just goes ‘missing’ or if you know it’s been stolen.

To get an instant tailored policy to cover your needs.

Compare quotes & buy online

Compare quotes & buy online

If you require information then please call us on 0121 6289494 Monday – Friday 9:00 – 17:00

Or Email us: info@shopinsurance.co.uk

 


Restaurant Insurance

Owning a restaurant is certainly a challenging task. Making sure that you’re restaurant gets the appropriate reputation it deserves is something that can prove quite difficult. It isn’t just a case of good food; you have to get the building, décor and ambience of the restaurant absolutely perfect if you’re to build a successful business.

One of the top priorities on the To Do list is the health and safety guidelines. We are amidst the compensation culture, with plenty of ‘no win no fee’ solicitors attacking everybody to ‘come forward.’ A restaurant is filled with potential risks to both employees and customers so it is absolutely essential to have the appropriate restaurant insurance.

You’ll often see restaurants with windows boarded up. It is suggested that restaurants and shops suffer more vandalism than any other public building. If you do not want your windows to be boarded up for as long as necessary, it’s important to have restaurant insurance to cover the costs for you. Also, should anybody fall over in your restaurant and they decide to sue, you’re covered for the accident.

Restaurant cover actually covers several things for employers and the public should any damages or injury occur. There’s also the business contents insurance, this will cover any theft they may occur. If you do not have this, you’ve basically lost everything that was stolen.

There’s also product liability insurance that will cover legal costs like damages and injury; however it also covers customer illness due to anything consumed on your property.

Finally there’s loss of income insurance, this covers all costs whilst you’re waiting for payment from your insurance.

Restaurants are such a fickle business to be in and offer the compensation vulture a great claiming game, be smart and don’t let them play.

Compare quotes & buy online

Compare quotes & buy online

 

If you require information then please call us on 0121 6289494 Monday – Friday 9:00 – 17:00

Or Email us: info@shopinsurance.co.uk


Choosing the right shop insurance

Shop insurance is extremely important if you own a retail store. Of course this may seem like an unnecessary expense when profits have obviously slid however, it’s essential that you’re covered ‘just in case’. The recession has hit Britain hard and with people generally struggling; the urge to turn to thieving is a lot more tempting. Take the riots in our UK cities only a few years ago. Just in case this happens to you it’s important to be covered for everything you deem necessary in light of your business.

Remember that being prepared does cost however, it’s better than not having a leg to stand on. There’s certainly no better feeling than security. Despite this it is suggested that shops are neglecting their insurance so that their profit margins rise. This way of thinking does stem from desperation, but if you don’t want a damaged window cost to come out of your own money, then you best start considering the right shop insurance for you. Imagine if a customer fell on your shop floor? With the ‘no win no fee’ policy screaming at people you can never be sure what you’d be sued.

So choosing the right shop insurance is an absolute must as there are a variety of covers that you could go for:
The first one is for ‘Public liability insurance’. This will look after any claims that will come from clients or the public that have caused damage to your property. The second is the ‘Employers’ liability insurance’, this will look after all of your staff. If they were to have a fall or become ill due to work conditions, this insurance policy will cover their treatment and time off.

The third policy is ‘Coverage for the building’. This will allow you to claim for any damages that occur due to theft, vandalism or if there’s a flood. Natural disasters are minimal in the UK however, due to recent floods this may be a very handy policy to have covering your back. Finally there’s the ‘Stock and content coverage’. This will cover your shop if anything is taken or damaged.

You can find your best shop insurance quotes online. It’s always advised to get several quotes from a variety of companies and compare the benefits. Remember that this is your business and something deserves the best and appropriate protection.

Compare quotes & buy online

Compare quotes & buy online

 

If you require information then please call us on 0121 6289494 Monday – Friday 9:00 – 17:00

Or Email us: info@shopinsurance.co.uk


Beauty Salon Insurance and buying the right cover

Just one compensation claim is enough to sweep your business from beneath your feet. In this day and age the ‘no win no fee’ policy haunts the standard employer each and every day. The need for health and safety regulations and insurance cover is top priority. More and more high street stores experience vandalism every day; it doesn’t matter if you work in a restaurant, shop, bakery or beauty salon.

Of course insurance policies are important for any corporation in any industry. However with things like beauty salons where you’re the sole owner, you are under plenty more risk than other companies. The shuddering blow of a claim will certainly be enough to diminish your business, so it’s absolutely vital to ensure that proper beauty salon insurance is put into place before business opens.

There are plenty of procedures that take place in a beauty salon, for instance, hair removal, injections and laser treatment. This industry is considered a high risk business and should be fully protected with insurance.

It’s vital to cover everybody working at your salon too. What if there’s a fire, accident, something stolen or injury? There are so many things that could happen in any high street building however, with beauty salons there are actually more risks.

So what insurance can you get?

Well there’s the employer’s and public liability insurance, this will cover damages, expenses and all legal costs should somebody get injured. There’s also the business content and product insurance. There are plenty of desirable products in beauty salons so it’s important to be covered if something just goes ‘missing’ or if you know it’s been stolen.

Compare quotes & buy online

Compare quotes & buy online

 

If you require information then please call us on 0121 6289494 Monday – Friday 9:00 – 17:00

Or Email us: info@shopinsurance.co.uk


Flowers Shop Insurance

This policy can be tailored by the enterprising person running and managing a florist’s shop to suit their specific individual needs. Our standard florist insurance policy gives them peace of mind knowing that their assets are covered against un-foreseen events and that they can now concentrate on running their business.

Optional covers you may need for your flower shop:

  • Cover against the damage or theft of the goods being delivered to your client’s premises, in your own or in hired vehicles. This event can be covered by adding the goods in transit cover to your quote / policy.
  • To cover your public liability exposure whilst working away from your premises include the work away extension to your quote / policy.

To get an instant tailored policy to cover your needs.

Compare quotes & buy online

Compare quotes & buy online

If you require information then please call us on 0121 6289494  Monday – Friday 9:00-17:00 or send Email: info@shopinsurance.co.uk


Carpet Shop Insurance

Shopinsurance.co.uk provides instant on-line insurance quotes for carpet shop owners. We also cater for Oriental and Persian carpet shops. Our quotes can be easily tailored by the carpet shop owner to suit their demands and needs within one of our insurance policies.

Optional covers you may need for your Carpet Shop

  • Cover against the damage or theft of the goods being delivered to your client’s premises, in your own or in hired vehicles. This event can be covered by adding the goods in transit cover to your quote / policy.
  • To cover your public liability exposure whilst working away from your premises include the work away extension to your quote / policy. This covers you against damage to your client’s property when you are fitting and or installing floor furnishings. This work away extension also covers you when you employ subcontractors for this aspect of your business should you find out that you had some exposure due to a gap in their own policy and you are being held liable / responsible for their actions.

To get an instant tailored policy to cover your needs.

If you require information then please call us on 0121 6289494 (9:00-5:00 PM Mon – Friday or send Email: info@shopinsurance.co.uk


Furniture Shop Insurance

For the busy furniture shop owner, it is important to have adequate protection for their shop and its contents. The policy we offer covers a list of events such as: theft, fire, public liability, business interruption and water damage.

Our Quotes are instant, free and without obligation. You can tailor the quote to your specific needs and if the cover suits you can then buy it on line in an instant.

From the quotes that we offer you it will become obvious to you that furniture shop insurance is not simple to understand and that we have a solution for you.

Optional covers you may need as Furniture Shop owners are:

  • Damage or theft of the goods while delivering your goods to client’s premises, in your own or in hired vehicles, can be covered by adding the goods in transit cover to your policy.
  • Work away extension: You can tailor your insurance policy to cover your public liability exposure whilst working away from your premises by adding the work away extension to your policy. This covers you against damage to your client’s property when you are delivering bulky items.This work away extension also covers you when you employ subcontractors for this aspect of your business should you find out that you had some exposure due to a gap in their own policy and you are being held liable / responsible for their actions.

To get an instant tailored policy to cover your needs.

Compare quotes & buy online

Compare quotes & buy online

If you require information then please call us on 0121 6289494 (9:00-5:00 PM Mon – Friday or send Email: info@shopinsurance.co.uk


Grocers Shop Insurance

Quality General insurance Quotes for Greengrocer

For a busy Grocer you can obtain free no obligation 24/7 instant quotes for your business at the press of few buttons. The quote can be tailored to your needs at your leisure and it cover all your prized assets be it the buildings & the shop or the contents on their own.

Some optional covers you may need as an owner of a Grocery shop:

  • Frozen food cover: You may wish to add this cover to guard against the financial loss if your freezer breaks down or the power to the freezer unit is accidentally switched off.
  • Goods in transit: cover your goods against theft or damage while on the way back from the cash and carry.
  • Loss of Liquor licence: Covers your financial loss should you lose your licence to sell alcohol through no fault of your own or that of your employees.

To get an instant tailored policy to cover your needs.

Compare quotes & buy online

Compare quotes & buy online

If you require information then please call us on 0121 6289494  –  Monday – Friday 9:00 – 17:00  or send Email: info@shopinsurance.co.uk


Pharmacy Insurance

Retail chemists and / pharmacies are often busy people and have lots of things to look after and worry about. Our quotation system makes it easy for them to obtain an instant quotation for their retail outlets. The quotes are available on a free no obligation basis 24/7. The quotes can be tailored to their needs at a time to suit them and it covers all their prized assets be it the shop buildings & contents or the shop contents on it’s own.

Some optional covers you may need as an owner of a Pharmacy shop:

  • Equipment Breakdown – If you rely on computers and other specialized equipment to obtain details about your customer’s medications and illnesses, then the break down of such equipment will cause interruption to your business and you will lose income until it is repaired.
  • Electronic Data – this is crucial to the success of modern day pharmacy. If your software, be it medical or customer data is corrupted it is expensive to re-instate and you can add this to your policy.
  • Chilled /Refrigerated Drugs: You may wish to add this cover to guard against the financial loss if your fridge breaks down or the power is accidentally switched off. Insurance covers damage to refrigerated drugs.
  • Directors’ and Officers’ Liability insurance – covers the cost of compensation to a customer if a claim is made against one of your business directors or other staff as a result of your company’s activities.
  • Legal expenses insurance pays for the following costs:
    • legal fees and tribunal awards in respect of employment disputes
    • legal fees in respect of property disputes/data protection investigations
    • professional fees associated with HMC&E investigations
    • costs of defending criminal prosecution
    • unrecoverable wages as a result of jury service
  • Goods in Transit insurance
    Goods in Transit insurance pays for goods that are lost, stolen or damaged while they are being moved in your vehicle or by a carrier up to an agreed value.
  • All risks – Provides cover for the physical loss or damage to your equipment such as a laptop which you use away from your premises anywhere in the uk.

To get an instant tailored policy to cover your needs.

Compare quotes & buy online

Compare quotes & buy online

If you require information then please call us on 0121 6289494  –  Monday – Friday  9:00 – 17:00 or send Email: info@shopinsurance.co.uk