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Shops Insurance - No need to shut up shop

Enjoy a high level of cover to meet the needs and responsibilities of the modern retailer. We offer insurance for a wide range of retail trades including shops, off licences and other retail outlets.
 
Towergate Risk Solutions will search the market to find you the best solution that fulfils your commercial insurance needs. As the largest, independently-owned, insurance intermediary in the country, we use our bargaining power to negotiate preferential rates and terms and our network of local offices means we are always on hand to discuss your specific requirements.
 
Specialist retail business insurance
Towergate also offer specialist scheme insurance tailored specifically for the following  retail trades:
 
Builders merchants insurance Towergate Risk Solutions
Electrical retailers insurance Towergate Risk Solutions
Hardware shops insurance Towergate Risk Solutions
Professional photographers insurance Towergate Risk Solutions
Agricultural machinery retailers insurance Towergate Risk Solutions

 
As a retailer, you can select from a range of business insurance cover for your shop or retail outlet including:
  • Buildings – insurance for building structure including boundary walls and out-buildings
  • Contents – insurance for stock, materials, fixtures, fittings and glass
  • Public liability – cover for legal liabilities arising from injury or damage at the premises
  • Products liability - covers legal liabilities for injury or damage resulting from goods sold
  • Employers liability – covers legal liability for injury to employees
  • Goods in transit – covers stock and other items whilst in transit
  • Money – ‘all risks’ insurance at or away from premises
  • Fidelity guarantee – insurance for loss of money from theft by employees
  • Loss of licence – provides protection in the event of loss of liquor licence
  • Business interruption – insurance for loss of profits following
    • loss or damage e.g. fire
    • denial of access should property in the vicinity of your premises be damaged
    • damage to property at the electricity station or sub station, gas or waterworks
    • loss due to notifiable disease or food or drink supplied, discovery of vermin, pests, defects in the drains which result in local authority restrictions
    • murder or suicide at the location which result in local authority restrictions
  • Business travel – insurance for travel in the UK and worldwide
  • Replacement locks – insurance for the cost of replacing locks after theft or loss of keys
  • Personal accident - cover for you, partners and employees against assault and accidental injury
  • Legal expenses – cover for costs of employment disputes, debt recovery and VAT disputes
  • Treatment liability – covers legal liabilities due to professional errors e.g. styling and dyeing hair

 

Additional benefits

  • Fast, experienced underwriting and claims service
  • Single policy with optional extended cover
  • 24-hour legal advice helpline
  • No claims bonus available
  • Business Link - access to a national network of independent local business advice centres who provide assistance with management skills, finance, exporting, technology, marketing, etc
   
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