| | | | | |  | | | | Retail Insurance | | | | General Information: | | | | Depending on the type of business you operate, whether it’s a shop, pub, coffee shop, restaurant or a beauty salon, you face different risks each day. Using this approach to your shop insurance at Rooney Insurances we will help you estimate the level of cover you need. | | | | What Insurance cover does your retail business most likely need? | | | | Although levels of cover differ depending on the type of the shop/business you’re running there are a few common points for most shop-keepers insurance policies. | | | - Public Liability – You have a responsibility to make sure that no member of the Public injures themselves on your premises (slips, trips, falls over stock left on the ground – the types of claims we have seen is where a trolley is being rolled around and hits the ankles of a customer- or the trolley rolls off and hits a car or a person – We have seen people cut on boxes left on the ground – people slip on flour or vegetable leaves etc that were not cleared away).
- Products Liability - the food or goods that you supply. If a customer falls ill or is injured then they will sue the shop owner. (We have had 2 claims of this type in recent times – One person was cut by a small piece of glass in Coleslaw they bought in a Sandwich. The second was also a piece of glass in a salad served in a local Pub. In both cases the injured party successfully sued the small business. Thankfully the Insurance Company looked after everything and the claim (and all legal costs) were paid in full.
- Employers Liability – The shop/business owner has a responsibility to make sure that all staff are working in a safe environment and are not exposed to any dangers. The types of claims that are common are for staff having back injuries from lifting stock, boxes etc (the boxes may not necessarily be individually too heavy, but staff may be lifting incorrectly without proper training). There is a law now that all staff must receive “Manual Handling” training. Other claims are for cuts, falls, repetitive strain, injury in a robbery, exposure to cleaning or other chemicals etc etc etc.....
- Material Damage - Loss of the building or premises you work from, loss or damage to your stock, computers, money (some owners are renting a premises and have to fit the shop out at their own cost - ceilings, shelving, wiring, electrics , lighting, doors, shop front) Fitting out, even rented premises can cost a considerable amount of money. It is possible (and not too expensive) to insure against the loss of all these things. | | | | Additional covers available, sometimes subject to additional premium: | | |  | Glass (plate-glass windows) |
| | Signs (exterior signs, neon signs) |
| | Stock |
| | Deterioration of refrigerated stock |
| | Loss of licence |
| | Goods in transit |
| | Computer equipment (computerised tills) |
| | Wrongful arrest |
| | Money cover |
| | Vacuum money systems |
| | Personal accident |
| | Personal assault |
| | Household contents |
| | Frequently asked questions | |
|
| | Contact us | | | |
|
|
|
