Retail and Wholesale

Overview

Ideal for larger, independent retailers, retail chains and wholesalers, our Retail and Wholesale product offers the widest cover available in the market. Choose from a range of covers to meet your customers' requirements. You'll also find a number of essential benefits as standard.

Key product features

These include:

• Property damage and theft.
• Business interruption.
• Employers' liability.
• Public and products' liability.
• Loss of licence.
• Commercial legal protection.

Additional benefits

• 24-hour, 365-days-a-year claims helpline, providing emergency assistance when it's needed.
• Confidential legal and tax helplines, offering free support on key business issues such as contract disputes or debt recovery.
• Expert advice on all aspects of Risk Management Solutions, including a free helpline and information sheets and training and consultancy.
• Damage caused by hacking and viruses is available for internet retailers that have a dependence on computers and computer equipment through our standalone Computer policy.
• Discounted building valuation and unoccupied property services.
• Counselling service for policyholders and their employees.

Useful guidance

We concentrate on Small Medium Enterprises and can cover an extensive range of businesses whether on the high street or in a business park or shopping centre. Just ask there isn't much we can't arrange cover for.

For a summary of cover and exclusions, please see our summary of cover document.

Claims

We recognise the impact a claim can have on your customer's business. We want to get them back to normal as quickly as possible.

New Claims

Fast and simple notification of claims.

• Notify new commercial property claims 24/7/365 - online or by freephone, fax or e-mail.
• 24/7/365 help from emergency plumbers, glaziers and locksmiths to ensure your customers aren't left in a vulnerable position.
• UK-based.
• Rapid deployment of loss adjusters.
• Tried and tested weather response plan.

Report new claims

Reported Claims

Claims experts:

• Dedicated Commercial Property teams in Southend and Liability teams in Glasgow.
• Proactively minimise impact of a claim to your customer's business.
• Interim payments to keep your customers trading.
• Online claims tracking.
• 12 months guarantee on repairs carried out by our approved network.
• Claims solutions for all your customers - from sole traders to large organisations.

Manage reported claims