Shop and Salon
Individual or multi-location retail/salon premises including internet-only traders that only have a storage unit with no customer access. Businesses should have no more than a £500,000 stock limit and £5m overall sum insured per location.
A packaged product offering extensive cover, including £500k legal expenses as standard, and the option to increase the majority of core cover limits.
- Average Free Property Cover, including seasonal increase of stock, temporary removal and trade samples.
- Free of charge automatic uplifts to the contents and buildings sums insured, providing valuable extra protection
- Business Interruption Loss of Income up to £1.5m over 36 months, including cover for Prevention of Access, Loss of Attraction and Book Debts up to £5k and Additional Increased Cost of Working up to £50,000.
- Money & Assault
- Public Liability up to £10m.
- Charity Shops – automatic cover for raffle prizes and donated goods used for fundraising in the UK up to £1,500
- £500,000 legal protection
- Optional treatment liability cover for hairdressers/beauticians, Buildings & Tenants Improvements Cover, deterioration of chilled or frozen food, property in transit, personal accident, employee dishonesty, terrorism, manual work away from the premises.
- Self Employed
- Retail & Wholesale: For larger shop and warehouse businesses requiring higher limits or more complex cover.
- Commercial Combined: For small to medium sized businesses up to 10 premises with a total combined sum insured of £5,000,000
- A comprehensive Average free product which provides an extra layer of protection for your customers’ business to reduce their risk of underinsurance
- Access to free legal and business guides via our business support website www.cutredtape.co.uk
- Automatic debt recovery provided as part of our Commercial Legal Protection cover.
For more information about Target Market statements please visitshop and salon.
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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.Claims contacts and services
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.
- Rapid deployment of loss adjusters.
- Tried and tested weather response plan.
- Claims experts - dedicated commercial property teams in Southend and liability teams in Glasgow.
- We proactively minimise a claims impact on your client’s business.
- Interim payments to keep your customers trading.
- Online claims tracking.
- 12-month guarantee on repairs carried out by our approved network.
- Claims solutions for all your clients - from sole traders to large organisations.
- Minifleet: for businesses with three to 12 vehicles
- Commercial Crime: Comprehensive protection against loss of money, stock, equipment or machinery following theft or fraud by employees
- Group Personal Accident, Sickness & Business Travel: Protection for the business or its employees against a number of unplanned incidents.
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