Various Trades
(but not limited to)
Book Shop, Hairdressers, Nail Salons, Clothing Shops, Grocery Store, Convenience Store, Takeaways (Ex DFF), Card / Stationery Shops, Offices, Restaurants (Ex DFF), Hotels, Public house
Limits:
Maximum Property and Business Interruption sum insured £3,500,000 any one risk
Public Liability with £1,000,000, £2,000,000, £5,000,000 or £10,000,000 limits available
Employers Liability – Standard £10,000,000
About our Product
Cover
Contents
Buildings
Business Interruption
Loss of Licence
Loss of Accounts Receivable
Theft by Employees Specified All Risks
About our Product
Perils
Fire, lightning, explosion, and earthquake
Storm or flood
Escape of water from any tank, apparatus or pipe
Riot, violent disorder, strike, labour disturbance, civil commotion, or malicious persons
Aircraft or other aerial devices or articles dropped therefrom
Escape of oil from a fixed oil-fired heating installation
Impact by any road vehicle (including any forklift truck or other industrial vehicle) or animal
Property Owners Liability
Accidental escape of water from any automatic sprinkler system
Theft or attempted theft
Any other accidental damage
Subsidence, heave or landslip
Accidental breakage of fixed glass by fracture extending through its entire thickness
Damage to neon and illuminated signs and electric light fitments
Accidental breakage of sanitary ware
Damage by impact of falling glass
About our Product
Key Extensions
Accidental Discharge of Gas Systems - Up to £5,000
Drain Clearance - Up to £5,000
Extinguishment Expenses - Up to £1,000
Glass Cover Extension - Up to £2,500
Landscaped Gardens Extension - Up to £1,000/£2,500
Loss of Metered water - Up to £25,000
Theft Cover Extension - Up to £1,000 in respect of Building and Locks and £2,500 in respect of CCTV and Alarm Systems
Trace and Access and Repair or Replacement Extension - Up to £25,000
Unauthorised use of Electricity, Gas or Water Extension - £2,500
Exhibitions - Up to £2,000
Outside Catering - Up to £2,000
Damage to premises used by you for storage
Failure in the supply of electricity, gas, water or sewage systems
Leakage of beer or other bulk supplied beverages from fixed tanks for Public House, Restaurants and Hotels
Risks with Non-Standard features such as Convictions, CCJs, Bankruptcies and Liquidations can also be considered
Public Houses with entertainment, late license, live entertainment and door staff / bouncers can be considered upon referral
