|
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 |
 |
| Electrical retailers insurance |
|
| Hardware shops insurance |
|
| Professional photographers
insurance |
|
| Agricultural machinery retailers
insurance |
|
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
|
