This covers everything you might naturally expect, in addition to some things you might not have considered.
A policy that offers extensive cover, including £500,000 legal expenses as standard, and has the option to increase the majority of core cover limits.
Single and multiple location retail premises including online traders that have storage but no physical customer access. Typically for businesses that have less than £500,000 in stock and £5 million sum insured per premises.
Your stock-in-trade, money, public and employers’ liability are all included, plus electronic equipment such as cash registers and computers. If you carry high theft-risk stock such as spirits, tobacco or car radios you must declare a separate sum insured for these because they will affect an insurer’s view of what is adequate security in your case.
Up to £10 million public liability. Covers you against financial loss due to a liability claim brought against you for injury or damage to a third party.
Covers you for the cost of compensation claims brought about from an employee's illness or injury, That was sustained while carrying out work for you. Employers' liability is a legal obligation if you employ people (unless exempt), and you could be fined £2,500 for each day you're not covered.
Click listed cover for more information.
Frequently Asked Questions
Most business insurance is not a legal requirement, however, we do highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party or resulting fire, weather related incidents or a break in. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.
The only insurance that your business is legally obliged to obtain is employers liability and vehicle insurance.
As an existing client you can call or email us with any changes during business hours and get advice on the changes you wish to make.
Call us at 01702 225 440
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Primo plc is registered in England and Wales, Reg No 1008700 at Cumberland House, Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ
Tel: +44 (0)1702 225400
Primo Plc is authorised and regulated by the Financial Conduct Authority.