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Shop Insurance

Get expert information about Shop Insurance from the insurance team at Property Insurance Centre. Get your questions answered about Shop Insurance.

25 06, 2019

Retail Shop Insurance UK

By |2020-06-05T10:29:47+00:00June 25th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Retail Shop Insurance UK

Retail Shop Insurance UK If you own a retail premises you need to be careful with obtaining the correct level of cover to protect your asset. You may be the landlord of the building or the freeholder and operating your business from the premises, and both will expose you to certain risks that you need to be aware of. Whether you have a property owner’s policy/commercial property owner’s policy or business policy, you can be exposed to liability claims. Imagine you had a customer & you were the business owner insuring your contents and fixtures & fitting along with the stock in the shop, and your customer tripped and fell, injuring themselves in the process. Now imagine the same customer is unable to carry out her duties at work due to the injury sustained at your premises. Now imagine you have been found negligent – this is why it is paramount [...]

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25 06, 2019

Fruit & Veg Shop Insurance

By |2021-01-08T13:03:27+00:00June 25th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Fruit & Veg Shop Insurance

Fruit & Veg Shop Insurance UK If you are the owner of a Fruit & Veg building or require cover for the buildings & contents, it is essential you get the correct level of cover. Insurance for a fruit & veg can be for the buildings only, where you can have cover for all standard perils (such as fire, theft, flood, storm or malicious damage) and your legal liability to the public. The standard property owners liability limit is £2 million and can be increased to £5 million if required.  The liability section of a buildings only policy will cover you for your legal liability to the public & third party property damage – think of strong winds from a storm dislodging a tile or guttering from your building and causing damage to a nearby car in the street or, injuring a person who is simply walking in the [...]

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25 06, 2019

Leaseholder Insurance London

By |2021-10-19T18:54:24+00:00June 25th, 2019|insurance, Office Insurance, Shop Insurance, Uncategorized|Comments Off on Leaseholder Insurance London

Leaseholder Insurance London Mrs Penny has insured with Property Insurance Centre for a number of years. She was the leaseholder of a flat in North London, and along with the 3 other leaseholders, had formed a management company to manage the freehold. Mrs Penny was on the ground floor of the block of flats and noticed there was blockage in her bathroom. A claim was made to her insurer without delay. After a number of weeks her insurer responded and stated that there was no cover within the policy in this particular case, as the insured did not opt for accidental damage cover when taking the policy out. Mrs Penny contacted her broker, Property Insurance Centre, regarding the insurer’s initial response stating there was no cover on her leaseholder insurance policy. Property Insurance Centre quickly established that the claims handler’s assessment was incorrect, and that one of the core covers [...]

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25 06, 2019

Looking for Off Licence Insurance

By |2021-10-19T18:57:56+00:00June 25th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Looking for Off Licence Insurance

Looking for Off Licence Insurance? If you are the owner of an off-licence building or require cover for the buildings & contents, it is essential you get the correct level of cover. Insurance for an off-licence can be for the buildings only, where you can have cover for all standard perils (such as fire, theft, flood, storm or malicious damage) and your legal liability to the public. The standard property owners liability limit is £2 million and can be increased to £5 million if required. The liability section of a buildings only policy will cover you for your legal liability to the public & third party property damage – think of strong winds from a storm dislodging a tile or guttering from your building and causing damage to a nearby car in the street or, injuring a person who is simply walking in the vicinity of the premises. This [...]

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14 02, 2018

Barbers Insurance in the UK

By |2020-05-22T14:52:28+00:00February 14th, 2018|Homepage Blog, Shop Insurance|0 Comments

Barbers Insurance in the UK If you are the owner of a Barbers or Hairdressers building or require cover for the buildings & contents, it is essential your get the correct level of cover under your insurance policy. Insurance for barbers or a Hairdressers can be for the buildings only, where you can have cover for all standard perils (such as fire, theft, flood, storm or malicious damage) and your legal liability to the public. The standard property owners liability limit is £2 million and can be increased to £5 million if required. The liability section of a buildings only policy will cover you for your legal liability to the public & third party property damage – thinking of a customer entering your premises and tripping over the door in the way in an injuring themselves, or strong winds dislodging slates from the roof and injuring a person who [...]

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25 05, 2017

Learn more about the Enterprise Act 2016

By |2021-01-15T08:40:31+00:00May 25th, 2017|Homepage Blog, Shop Insurance|0 Comments

The Enterprise Act 2016 Passed on 4 May 2016, the Enterprise Act 2016 (the “Act”), now gives policyholders a potential right to claim damages in the event of late payment of claims. The provisions will come into effect on 4 May 2017 and will apply to every (re)insurance policy placed or renewed on or after that date, if it is subject to the laws of England and Wales, Scotland, or Northern Ireland. The provisions making the changes will be an amendment to the Insurance Act 2015. Current Law Under current law1, damages for late payment of claims are not recoverable from insurers. An insured can only recover what it is owed under the policy and cannot recover from insurers any additional losses it has suffered due to delay in payment by them. New Act Under the Act, it will be an implied term of every contract of insurance that [...]

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22 08, 2016

Alarm Types & Their Response Times

By |2021-01-15T11:32:59+00:00August 22nd, 2016|Homepage Blog, Office Insurance, Shop Insurance|0 Comments

Alarm Types & Their Response What sort of police response should I expect? ACPO (The Association of Chief Police Officers of England, Wales and Northern Ireland), who specify Police Force/Constabulary Service guidelines, introduced a new policy on Police Response to Security Systems in 2000 which was last revised in April 2012 (download the ACPO Policy on Police Response to Security Systems (April 2012)), and since an Appendix F was added in January 2013 (ACPO Policy on Police Response to Security Systems - Appendix F (Jan 2013)). These guidelines (the ACPO Policy) state that the Police Force will only attend monitored intruder alarms that 'confirm' alarm activations, whereas previously, the Police would respond at the first activation without requiring confirmation. Normally, an alarm is considered 'confirmed' when a second detection device is activated during the same intrusion. This verifies that there is definite movement at the premises and therefore there [...]

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17 02, 2016

Look after Employees…

By |2021-01-15T13:16:00+00:00February 17th, 2016|Homepage Blog, Shop Insurance, Uncategorized|0 Comments

Look after Employees With special thanks to our partners Aviva for giving this information that all business should adhere to: Employers Liability might be mandatory, but it’s a topic that is so much more than just something businesses need to buy. Keeping employees healthy and safe is vital to every business. It can be done in 5 easy steps… Here’s how employers can look after their employees; Risk Assessment Your customers need to properly plan the work they are undertaking so all the necessary controls are in place to prevent accidents and injuries. How could the activity of their business put employees at risk? Health and Safety policy document Once you have decided what could go wrong and how to prevent it you need to ensure that employees abide by the health and safety requirements. Create a health and safety document which outlines the businesses commitment, responsibilities and general [...]

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8 04, 2015

What types of high street properties do you insure?

By |2022-07-13T13:26:32+00:00April 8th, 2015|Landlord Insurance, Shop Insurance|0 Comments

What types of high street properties do you insure? As you walk down any high street in Britain you will see a vast number of various businesses that all have different needs when they look for insurance to protect their commercial premises as well as the business itself. Here we take a brief look at the different types of properties on the high street and the different things that need to be considered when searching for relevant cover. Retail There will be a large number of retail properties on the high street, from fashion stores to charity shops; and from pet shops to betting shops. Even within this small number, you can already see some of the different types of insurance coverage that might be required. For example, here is just a small selection: public liability insurance; insurance for stock property cover; shop front insurance; employers’ liability insurance. Get [...]

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8 04, 2015

Are you aware of asbestos regulations?

By |2020-08-05T11:00:17+00:00April 8th, 2015|Landlord Insurance, Office Insurance, Shop Insurance|0 Comments

Are you aware of asbestos regulations? Regulations exist for the management and control of exposure to asbestos because it is a potentially very dangerous material, prolonged exposure to which, says the National Health Service, may cause the life-threatening lung disease, asbestosis. The material becomes dangerous when it is disturbed by being broken, chipped, drilled into or simply allowed to deteriorate when it releases tiny fibres into the air which is breathed. There are three main types of asbestos: amosite – brown asbestos; crocidolite – blue asbestos; and chrysotile – white asbestos; Although each of these is potentially dangerous, the brown and blue varieties are much more dangerous than the white. Get a Quote Insurance under one roof We are specialists in many types of insurance Regulation Because all [...]

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