At Cleddau Insurance we have many years’ experience arranging insurance for offices and shops in the Pembrokeshire and Carmarthenshire areas, making sure their business is covered for accidental damage, fire, theft, vandalism, flood and storm damage to name a few.
What is Office and Shop Insurance?
Shop and office insurance are a form of cover that protects your business against various risks and claims.
If you’re a business which is customer-facing, you may wish to protect your shop’s premises, its contents and stock, customers, income as well as its employees. Office insurance could also protect the business from any legal claims made by employees or the public.
What are the options?
There are three important aspects that any good shop and office insurance policy included. The three elements are your premises and stock, your customers and unforeseen situations that might interrupt your business from trading.
1. Premises and Stock
Building and Contents Insurance
This would cover the cost of repairs to a buildings structure, and rebuilding if required. Protecting of stock and equipment is key to a shop and office insurance policy, covering against theft or damage, furnishings and fittings, computers, till systems and other business equipment.
2. Staff and Customers
Employers and Public Liability
It’s a legal requirement to have employer’s liability if you have any staff, protecting them if any injury occurs or illness whilst working. Public liability will cover anyone who is injured at your shop or office or their property or belongings is damaged.
3. Business Interruption insurance
This type of insurance will protect any income that would have come in if your business had to close, mainly down to fire, flooding, etc. The policy’s main objective is to cover the cost that will get your business trading again.
Want a quote?
At Cleddau Insurance, we have over 25 years’ experience dealing with shop and office businesses in Pembrokeshire and Carmarthenshire. Dealing with all the major insurers and specialist providers enabling us to provide the most competitive insurance policies that can be unique to your business.
Get in touch today and let us do the hard work for you.