At Brunsdon Westinsure we know that running a business is time consuming and you do not have free time to spend searching the insurance market for quotations. As an independent insurance brokers we have agencies with the leading providers of Shop Insurance. By providing us with your details will enable us to obtain a competitive quotation from the insurance market on your behalf.

The providers we deal with have tailored their Shop Insurance products to cover the assets, earnings and legal liabilities of both independent shop keepers and franchised retailers. Our Shop insurance products can provide the following covers:

• Buildings Insurance and/or Tenants Improvements.
• Trade Contents.
• Business Interruption.
• Loss of Liquor License.
• Public & Products Liability.
• Employers Liability.
• Goods in Transit.
• Loss of Money.
• All Risks Cover for Specified Items.
• Theft by Employees.
• Computer Breakdown.
• Commercial Legal Protection.
• Terrorism.

For a competitive quotation please contact us on 01793 536851 or e-mail us at enquiries@brunsdonwestinsure.com and we will arrange to contact you at a convenient time.

DESCRIPTION OF POLICY SECTIONS

Buildings Insurance and/or Tenants Improvements
This section of the policy provides cover for the cost of repairing or rebuilding following an insured incident. The building sum insured is specified by you and should include removal of debris costs, solicitors & architects fee as well the cost of materials and labor. All Risks cover including Subsidence can be provided.

If you have made internal alterations to the building you will need to insure these separately. This is known as Tenants Improvements. Again, the sum insured is specified by you and should include removal of debris costs, solicitors & architects fee where necessary as well the cost of materials and labor

Trade Contents
We can provide All Risks cover for your Trade Contents including Stock in Trade, Trade Fixtures & Fittings, Office Equipment, Wines & Spirits, Cigarettes, Cigars & Tobacco & Customers Goods.

Business Interruption
This section of the policy helps to keep you in business if you unable to trade following an insured incident. Most of the insurers we deal with provide £500,000 as standard with an indemnity period of up to 24 months.

We can also provide cover for Book Debts under the Business Interruption section. This provides cover for money owed to you by customers which cannot be collected because records have been lost or damaged by an insured peril.

Loss of Liquor License
Most insurers provide a limit of indemnity up to £100,000 against the depreciation in the value of your premises and any loss of profit following the loss of your license from circumstances beyond your control.

Public & Products Liability
Public Liability Insurance covers your legal liability to pay damages to companies or members of the public who hold you responsible for injury to them or damage to their property as a result of your negligence. It also covers legal fees, costs and expenses such as representation at any inquest or court hearing.

The limit of indemnity under the public liability section is the maximum amount the insurance company will pay in the event of a claim being made. These limits are usually £1million, £2million or £5million. However, we are able to provide cover for business who require a higher Public Liability limit of indemnity.

When deciding on the limit of indemnity, you should carefully consider the maximum claim which could be made against as awards for injury can excess £1million. If you are involved in activities where the possibility of multiple claims arising out of a single incident, be aware that claims for damages can easily exceed £1million. Additionally, if you work as a sub contractor for a large firm or if you are on the Council Approved List you may be subject to a minimum public liability limit of indemnity of £5million. If you are unsure of the limit of indemnity you require then please contact Brunsdon Westinsure Limited and we will be happy to discuss your requirements.

Products Liability Insurance covers your legal liable for damage or injury arising out of the sale or supply of goods. The limit of indemnity for Products Liability is usually the same as the Public Liability limit of indemnity and Products Liability is usually automatically included for most trades when you buy Public Liability cover.

Employers Liability
By Law, all Employers must insure against their legal liability for injury, disease or death to employees arising from their employment.

Employees will normally include, in addition to those under a contract of employment, apprentices and other trainees and those hired from another company. The only exception to this rule is where your employees are close relatives. If you think that this exception may apply to you then you will need to contact an Employment Law solicitor for confirmation.

You are legally required to insure for at least £5million but in practice most policies offer £10million cover. The Law also requires that you display a Certificate of Employers Liability Insurance at each place of work. Failure to meet this requirement could constitute a criminal offence.

Goods in Transit
Cover includes loss or damage of trade contents whilst in transit by vehicles owned, hired or leased by you up to the limit specified in the policy.

Loss of Money
Cover can include loss of money from your premises, money in transit, money in a bank night safe and in the home of specified partners, directors & employees up to the limits specified in the policy.

All Risks Cover for Specified Items
Cover can be extended to include loss or damage to items specified in the schedule (laptops, PDA's etc) whilst they are away from your premises. In addition to UK cover we are able to extend cover to anywhere in the world if required.

Theft by Employees
Cover is provided against fraud or dishonesty of employees involving the theft of money, stock & contents.

Computer Breakdown
Cover is provided against breakdown or failure of your computer equipment. The sum insured for this cover is specified by you.

Commercial Legal Protection
We offer a separate Commercial Legal Protection policy designed for small businesses to cover the financial burden of taking legal action when things go wrong. Our policy provides the following covers:

• Employment Disputes
• Legal Defense
• Data Protection
• Contract Disputes
• Tax, PAYE & VAT Protection
• Property
• Licence Protection
• Bodily Injury
• Attendance Expenses

Terrorism
Alot of policies automatically exclude cover for claims arising out of Acts of Terrorism. We are able to include this cover for an additional premium if required.