Perhaps you run a small corner shop, a larger high street chain or your business is as a wholesaler involved with distribution activities, either way you work hard to run your business, so you need to make sure that that you have the right insurance in place in case anything goes wrong. Our cover will give you protection ranging from your premises, goods whilst in transit and liability.
Cover can include:
Buildings and Contents including Stock
If your building is damaged or your contents are stolen you could be left heavily out of pocket. Buildings and Contents cover comes as standard insurance and protects you from these events.
Following a claim involving damage to your premises, you can find yourself unable to trade for a while. This section will cover you for the reduction in your profits from the date of the loss, through the reinstatement or repair period, until you are back to the trading position you were in prior to your claim.
Public and Products Liability
Public Liability and Products Liability will be included as part of the package. This insurance provides financial protection in the event that someone takes legal action against you for damage to property or injury sustained by a visitor or customer on your premises, for example if they trip, as well as providing cover for injury or damage arising from the goods you sell.
Whether your staff are full or part time, permanent, temporary or voluntary, you are legally obliged to take out Employers’ Liability insurance, which protects your employees if they suffer an injury or loss as a result of your negligence.
Goods in Transit
Maybe you collect your own stock, or provide a delivery service – either way if your good get damaged you will be left out of pocket, so having GIT insurance will financially reimburse you for any damage to or theft of your items.
Cover can be provided for loss of money in Transit, from your premises including from a locked safe.