Shop & Wholesale

Scheme: BRIT Syndicate 2987 at Lloyd’s / Ascot Group’s Syndicate 1414 at Lloyd’s

Up to £3,000,000 sums insured accepted
Multiple Shops & Wholesalers accepted on one policy
Minimum Premium from £264.00 (includes IPT & Fee)

Tailored Liability & Property insurance for Retailers and Wholesalers
Accidental Damage Cover is available at no additional cost
Manual work away Cover available

Our Shop & Wholesale – BRIT / Ascot product is suitable for retailers and wholesalers. This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit combined with public, products and employers’ liability insurance. BRIT underwrite the material damage cover and Ascot underwrite the liability portion of the cover.

The ability to place retail outlets and wholesalers on the same policy. We can accommodate locations generating up to £3m turnover.

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.

Core Covers

  • Business Interruption Cover
  • Contents Cover
  • Stock (including target stock) Cover
  • Public & Products Liability Cover: Standard is £2,000,000 with option to increase to £5,000,000
  • Employers’ Liability Cover
  • Goods in Transit
  • Deterioration of Refrigerated Stock Cover
  • Money Cover
  • Personal Assault Cover

Features & Benefits – Buildings, Stock & Contents

  • Capital Additions & Alterations Cover
  • Clearing of drains Cover – Up to £5,000
  • Debris Removal Cover – Up to £10,000
  • Architects, Surveyors, Legal Fees – Up to £50,000
  • Extinguishment Expenses Cover – Up to £10,000
  • Fly Tipping Cover – Up to £5,000
  • Trace & Access Cover – Up to £250,000
  • Arson, Theft & Criminal Acts Rewards Costs
  • Automatic Reinstatement of Sums Insured
  • Loss of Metered Water – Up to £10,000
  • Replacement of locks Cover – Up to £25,000
  • Temporary Removal of Contents Cover – Up to £100,000
  • Tree Removal Cover – Up to £2,500
  • Unauthorised Use of Utilities Cover – Up to £25,000

Features & Benefits – Business Interruption

  • Auditors’ Fees Cover – Up to £10,000
  • Denial of Access Cover – Up to £50,000
  • Increased Cost of Working Cover – Up to £50,000
  • Infestation & Defective Sanitation Cover – Up to £50,000
  • Outstanding Debit Balances Cover – Up to £10,000
  • Public Utilities Cover – Up to £50,000
  • Suppliers Cover – Up to £10,000

Features & Benefits – Liability Sections

  • Worldwide Products Cover (Ex USA/Canada)
  • Unsatisfied Court Judgments Cover
  • Indemnity to Others Cover
  • Defective Premises Act Defence Costs
  • Motor Contingent Liability Cover
  • Overseas Personal Liability Cover
  • Consumer Protection Act and Food Act Defence Costs
  • Includes Compensation for Court Attendance
  • Criminal Prosecution Costs and Inquests Defence Costs

Please click here to see the Policy Wording and IPID for full details on cover, terms, conditions and limits of the policy.

Optional Extras

  • Manual Work Away Cover
  • All Risks Cover
  • Shopfront Glass, Canopies & Signs
  • Loss of Licence Cover
  • Legal Expenses Cover
  • Terrorism Cover

Insurer Rating


AM Best


BRIT Syndicate 2987 at Lloyd’s

Ascot Group’s Syndicate 1414 at Lloyd’s