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A Shop or Office may be a kiosk or a single room with a desk and chair or a major building with dozens of computers, bespoke software and highly technical work being carried out. A ‘package’ product will cover all the requirements of most small offices but even there a more detailed discussion may well bring to light aspects that a basic office package will not fully cover. We will take the time and trouble to try to identify all that is required for your Shop or Office Insurance policy before we submit a quotation request to insurers and will select the best insurer for any particular individual set of circumstances.
Home-workers can often be added as an extension to the normal domestic house and contents insurance and this will provide the employer’s liability and public and products liability if required. However, if you have set up a business working from home and your domestic insurers are not aware, there may be circumstances where a claim could be avoided.
Shops, similarly, come in all shapes and sizes from the sweet kiosk on the station to major department stores. Again, we need to spend time to identify not just the premises, but also the stock and identify any high risk stock of DVDs, tobacco products etc.
Claims, can always result in an unhappy client. So we do recommend that tills are left open overnight. If cash limits are exceeded, either use a night safe at the bank or take it home. Security is often something that traders can overlook but we can help with recommendations and if an insurer has a survey of the premises carried out then we advise that any recommendations are carried out as well as all requirements.
Additional hazards can be involved with some occupations, hair dresser treatment risks are a good example of specific covers required for some retail premises and because of the possibility of high levels of cash on the premises it may be sensible to install a safe.
We are only ever as good as our last quote and our last claim, but we do make every effort to ensure that you understand the cover you have is relevant to your circumstances
For more information about Shops and Office Insurance, call us now on 01803 328008, Email info@seawayinsurance.co.uk, or use our Contact Form. We will answer your query as soon as we possibly can. |