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.

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

Or Email us: info@shopinsurance.co.uk

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.

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

Or Email us: info@shopinsurance.co.uk

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

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

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

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Our Instant quotes for clothes shop insurance offers you a competitively priced cover that will protect your clothes shop from the many risks that your business will face on a daily basis. To protect your self against the unforeseen events that are regularly mentioned on the news channels, whether it is flooding, fire or burglary our instant quotes will offer you the protection you need to keep you trading should you be unlucky enough to suffer from such an incident. Our policies for Clothing shops are competitively priced and can be tailored to your needs on a 24/7 basis.

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

• Goods in transit: cover your goods against theft or damage while on the way back from the cash and carry.

To get an instant tailored policy to cover your needs.

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

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Our public house and restaurant 24/7 instant quotes is specifically designed for the licensed premises in the leisure industry such as pubs, wine bars and inns.

For the busy Publican why not try our free no obligation 24/7 available Instant quote. The policy can be tailored to your needs at your leisure and it will cover all your prized assets be it the buildings & the shop or the public liability.

Some optional covers you may need as a Public House / Restaurant:

• Frozen food cover: You may wish to add this cover to guard against the financial loss if your freezer breaks down or the power is accidentally switched off.
• Goods in transit: to cover your goods against theft or damage on the way back from the cash and carry, or a delivery.
• 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.
• You can tailor your insurance policy to cover your public liability exposure for your outside catering business activities. To cover your catering activities you can add the work away extension to your policy. This work away extension provides you cover against claims of accident and injury from your clients, their guests and other persons present or working at the venue. This work away extension also covers you when you employ subcontractors for this aspect of your business should you find out at a later stage that there is some exposure or gap in the subcontractor’s insurance policy and you will be held responsible for their deeds/ actions.

To get an instant tailored policy to cover your needs.

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

As a baker you probably work unsociable hours and the last thing you need is to look for insurance quotes. Therefore why not use our 24/7 instant quote system to obtain a tailored policy for your Bakery needs.

Some optional covers you may need as a Baker:

• Equipment Breakdown: Should any of your machines breakdown including your oven then this will cause you a lot of hassle and stress as well as financial loss. This extension covers the repair and or replacement of the equipment as well as the loss in gross profit as a result of this breakdown.
• Frozen food cover: You may wish to add this cover to guard against the financial loss if your freezer breaks down or the power is accidentally switched off.
• Goods in transit: to cover your goods against theft or damage on the way back from the cash and carry, or whilst delivering food.

To get an instant tailored policy to cover your needs

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