Commercial Express

The Value Added MGA

01384 473021

Shop

 

Target Market
Our shop product is underwritten by Tokio Marine HCC and is suitable for retailers, hair and beauty salons, tattoo parlours and shop front bakeries or butchers.
This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit and book debts combined with public, products and employers’ liability insurance.

In addition, the product also provides the option to cover legal expenses and terrorism cover. The product is not suitable for companies and/or individuals that retail or trade from non-shop front premises such as (but not limited to) at home or from a warehouse.

Features & Benefits


  • Stock cover
  • Contents cover
  • Business Interruption
  • Money
  • Goods in Transit
  • Book Debts
  • Frozen Food
  • Employer’s Liability
  • Public & Products Liability*
    *Product liability excluded for E-Cigarette shop products
  • Loss of Metered Water £2,500 any one claim, maximum £5,000 anyone period of insurance
  • Landscaped gardens - following damage by emergency services £1,000 in anyone period of insurance
  • Trace and Access up to £2,500
  • Capital Additions - 10% of the building sum insured or £250,000 whichever is less. 10% of trade contents for fixtures and fittings or £100,000 whichever is less
  • Replacement of locks and keys following theft or damage £1,000 anyone claim
  • Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January
  • Rent Payable - up to 25% of the contents sum insured
  • Rent Receivable

Optional Extras


  • Buildings cover available as an optional extension
  • Glass, Canopies & Signs available up to a limit of £10,000
  • Loss of Licence cover available up to a limit of £100,000
  • Legal Expenses as an optional extension
  • ATM money cover available
  • Work away considered on referral
  • Terrorism is available as an optional extra