A Guide To Shop Insurance

Owning and running a shop can be hard enough work in itself, often seven days a week, without the additional worry of what might happen to your livelihood should the worst happen. Fortunately there are many different shop insurance policies available today covering all the risks that a retailer might face in running a business from a premises that sells goods and services to the public.

A shop insurance policy will contain a variety of covers, packaged up for the convenience of the shopkeeper.

These include shop buildings and contents cover, stock in trade cover, business interruption and loss of profits, money cover and staff fidelity insurance, legal protection, window & glass cover for shop fronts, goods in transit, public liability, employers liability, and various options to cover shop specific risks. Shop insurance packages will include as standard most of the above risks, whilst some insurers allow the prospective policyholder to select the covers that are appropriate for their particular type of shop.

Shop Insurers use various basic rating factors to decide premiums and postcode and annual turnover are major factors.

The location of your shop will largely determine the price you pay for cover, in particular for shop stock and contents. A shop located in a run down housing estate with known propensity for theft and vandalism will command a much higher premium than one located in a modern shopping centre with street security and CCTV. Annual turnover is used to calculate cover levels such as the impact of a loss on a shops ability to trade.

Shop buildings insurance covers the costs of rebuilding the shop and the costs of replacing the shop front, which is invariably made of glass. All buildings insurance covers permanent fixtures and fittings such as toilets and doors. This cover is available for both shop owners and those who lease the property.

Shop contents insurance covers all the additional shop fittings and equipment that is used in the daily running of the business. Most insurance companies will require a breakdown of the contents of the shop into sums insured fo business equipment, fixtures and fittings, electrical and computer equipment, tenants improvements, refrigerated stock and all other stock.

Shops that require protection for high risk goods held on the premises will usually need to declare the total values of each stock item. High risk shop stock and goods are those that attract thieves and are expensive to replace. Examples of high risk stock items are electronic equipment, cigarettes, and tobacco, designer clothing, computers and digital equipment, software, computer games and consoles, drugs pharmacy and medicines, watches and jewellery, mobile phones and radios, photographic equipment, power tools, TVs, DVDs, CDs and Wines and Spirits.

If your shop has high risk stock you can reduce the cost of your premiums by having adequate security in place. This includes an insurance company approved burglar and fire alarm, window grills, shutters and bars, CCTV and sprinklers. Many shop insurers will only offer stock cover if the minimum levels of security are in place for all shops, regardless of the stock contents held. A lot of insurers may offer further large discounts to the premium if the shop owner lives on or above the premises and is there at night.

Shops by their very nature deal with members of the public and a good insurance policy will usually contain liability cover as standard. This should include Public Liability of up to £2,000,000 for any one claim by a member of the public who may suffer loss or injury visiting the shop.

If you employ staff all policies will offer Employers Liability cover of up to £10,000,000 one event and because shops sell goods and services, Products Liability cover of £2,000,000 for any one period of insurance.

Other standard features of a shop insurance policy are various levels of cover for Legal expenses and Legal protection, Employers, Public and Products Liability, Loss of profits, Glass and Sanitary Ware, Money cover and staff Personal Accident assault, Business Interruption, Goods in Transit, Loss of Licence, Treatment Risks and Seasonal increases in stock contents value.

Shop Insurance [http://www.shops-insurance.com] is available to buy online from a variety of mainstream and independent suppliers, many of who offer policies for specialist niche shops and retail outlets. Shopping around for cover is easy and many brokers now offer shop insurance comparsion systems where you can compare shop insurance quotes and covers online.

Ensure you read the keyfacts documents of any policies offered, so you are aware of the levels of cover offered before you buy.

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Comparison Shop For Car Insurance

Why Shop For Car Insurance?

A lot of us are loyal to the same insurer for years. We pay our premium, sigh at rate notices, and just go on with our lives. But the market is changing just like our lives are changing. Experts advise us to comparison shop for rates and plans every year or so.

Did You Buy a Home?

An auto and home insurance discount is a very common way to save money, but not all companies can offer it. Some famous insurers do not cover homes, and even though they may discount home owners, it is not the same thing. If you have purchased a home, it is a good time to see if you can make a better deal on your home and auto policy!

Did You Buy a New Car?

If you purchased a different car, or even if you are thinking about it, please take a few minutes to check premiums. A different auto will affect your premiums, and it is good to know that when you are figuring out your monthly budget for a different vehicle. That great deal on an auto loan may not work out that well when your insurance premiums go up. Conversely, some new cars, with safety features and anti-theft devices, may actually lower your rates.

Do You Have Another Driver in Your Family?

I can hear the groans now. There is nothing like covering a teen driver, is there? But he or she needs to be covered as much, or more, than you do. When I had to cover a teen driver, I found that another highly rated insurer gave me a much better deal than my current company. Your own loyalty to your old insurer may not be rewarded when you have to add another driver to your policy.

The new company had discounts for a driver's education class, alcohol awareness class, and good grades. The old company did not offer any of this.

Have You Had A Few Birthdays?

Of course, this probably seems like a silly question. But age is one factor that insurers use to set rates. Another company may be friendlier to a driver of your age. As you get older, and so does everybody else in your family, you may need to check around.

How is Your Credit?

It may seem like it should not matter, but many top insurers use credit ratings as a criteria for placing drivers in one price band or another. A very good driver, with a poor credit rating, may never get a good deal with some auto insurance companies. If you have had some financial issues, do not add your premiums to the list!

Is Your Deductible Too Low?

If you still think your premiums are too high, you may save quite a bit if you can afford to raise your deductible a bit. Of course, you if you do have to collect on your policy, you will have to pay that amount. So try to balance the premium difference with your ability to pay an extra deductible amount every year.

Shop Around the 21st Century Way

You can comparison shop for car insurance by using a convenient online quote form. You simply have to enter the basic details about your cars and drivers. Then submit the form and get competitive quotes returned to you. This has saved many drivers time and money!

We want to help you comparison shop for auto insurance [http://www.bestinsuranceus.com/car-insurance/shop-for-car-insurance-rates/] with our convenient online quote forms.

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Cheapest Shop Insurance Quote

Shop owners across the country can invest in one thing to make sure their livelihoods are protected; shop insurance. Whether you run a two person corner shop or small supermarket, it's absolutely imperative that you protect all of the hard work you've put into your business. While many companies are committed to offering the best prices, these don't always offer the absolute best value for money. While there are probably always cheaper premiums around, worthwhile providers aim to make sure that shop owners get what they are paying for, and don't end up spending money on useless policies.

The key to purchasing the 'cheapest' insurance therefore rests on the value for money offered by a quotation. A cheap quote might appear tempting, but if it costs you a small fortune at a later date when the insurer refuses to cover you for a specific circumstance, then it's clearly not cheap at all.

The first step when looking for cover is to highlight those insurers who specialise in transparent quotations. This means that, by way of an online system or over the telephone, they provide as much information as you desire concerning the policy on offer. Only with such a comprehensive overview can you assess the quotation and accurately decide upon whether it represents good value for money.

Of course, many quotations will be the very cheapest around even at first sight, but it always pays to delve a little deeper. It may seem like a cliché, but it's true that you can never be sure what's going to befall your shop - make sure you have peace of mind before the worst happens.

It's always a good idea to compose a checklist before shopping around, especially if you're looking online for cover. List the things for which you need cover and get a colleague or business partner to check them over before finalising them. If you see a rock bottom price and are tempted to buy, make sure that each item on your list can be checked off - only then should you buy.

Finally, it's always good to hold out for a specialist whose promises of transparency extend throughout every aspect of their service. This means always checking that they have a UK based call centre which can be reached easily. Try calling a few times and assessing the level of customer service; this can give you a good idea of how they'll respond should you come to make a claim on your shop insurance policy.

Written by Michael James Younger on behalf of Shopline, experts in reasonably priced shop insurance [http://www.shopinsurance-direct.co.uk].

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Kebab Shop Insurance

You may well enjoy running your kebab shop and be justifiably proud of what you've achieved, yet all this could vanish if you're simply unlucky and end up having to pay out huge sums of money following an accident or disaster. This is why kebab shop insurance may be of interest to you.

Kebab shop insurance can often be provided as part of general business insurance. Policies of that nature break down into a number of specific types to protect you against certain forms of risk. These risks are typically summarised as originating from:

claims from members of the public injured on your property (or who suffer damage to their property in similar circumstances) - this is called public liability insurance;
claims from your customers that they have suffered problems as a result of your products - typically this comes under product liability insurance;
business interruption due to the theft or destruction of your equipment and premises;
claims from employees (by law this may even include casual or voluntary helpers) that they have been injured while progressing work on your behalf - this is called employers' liability insurance and will be mandatory in many situations;
the loss of your ability to work following an accident and injury - this is typically covered by personal accident insurance.
With an insurance for kebab shop policy some or all of these risks may be covered, depending on the particular policy features of the cover you purchase, so do check what the cover entails.
It's worth noting that if you do not have insurance and suffer one of the above misfortunes, then it will be your private finances that will need to meet the bill. So if you need to urgently replace your grills and ovens, the costs may hit you hard without insurance to help.

In cases involving action against you by a third party, the courts will not be thinking primarily of whether or not you played an intentional part in the incident but only whether or not you are legally liable. Their awards against you may be very high depending upon the levels of injury or damages sustained by the other party.

Kebab shop insurance may be a sensible investment that could help your business survive and continue following bad luck. Finding out more may be advisable.

Trevor J Roberts is the editor of Quote4shops, a new site aimed at providing access to some of the UK's best commercial shop insurance. If you are looking for kebab shop insurance then apply online or complete an enquiry form.

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Carpet Shops Insurance

Having carpet shops insurance may be essential - unless you enjoy living dangerously and gambling with the future of your business. That's because running any business involves risk

What risks?

In your shops you may have members of the public coming and going. If any one of them is unfortunate enough to have an accident and sustain injury whilst on your premises, they may well turn to the courts and ask them to award damages against you. If they win, the damages could be very high depending upon the injury sustained. Even if they lose, you may have incurred significant legal and miscellaneous expenses in defending yourself.

You also perhaps have employees. If so, you are - in most cases - legally obliged to provide insurance to protect them if they are injured in the course of their work, via employers' liability insurance.

It's also a fair bet that you have a shop and possibly other business premises such as a warehouse etc. If they are hit by a natural disaster, you may run the risk of a loss of stock and other equipment and may have nowhere to conduct your business from.

This is not a comprehensive list - it is just a sample of some of the things that could go wrong in your business. That is why considering insurance for carpet shops can be so important.

If you have carpet shops insurance in place then typically you'll have financial backup and support in such circumstances - if you don't it will be your bank account that has to find the monies concerned.

Business insurance

Business insurance can typically provide the protection you require. It is a question of understanding your risks and the level of cover required, then purchasing the appropriate package of protection.

It's typically possible to find insurance against the following types of risk:

· public liability;

· product liability;

· stock and equipment cover;

· business interruption (where you are unable to trade for a period of time due to an insured risk occurring);

· premises (commercial buildings insurance is usually sold separately from a business insurance policy);

· professional indemnity insurance (not always required for shops but may be advisable if you provide design or cutting and home fitting services etc)

· employers' liability insurance.

In the case of employers' liability insurance, it may be worth keeping in mind that the law may hold you responsible for accidents and injuries to contract or temporary staff and even casual unpaid helpers in some situations.

Finding out more

There are really two ways you can find out more about carpet shops insurance. The first is to spend a few minutes researching it further. The second is to start doing so once you've experienced a problem and the huge costs that came with it. Perhaps the first approach will prove to be less painful!

Trevor J Roberts is the editor of Quote4shops, a new site aimed at providing access to some of the UK's best commercial shop insurance. If you are looking for carpet shops insurance then apply online or complete an enquiry form.

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Phone Shop Insurance

Phone shop insurance is one form of what's generally called business insurance.

It operates to try and ensure that if you're hit by bad luck and run up serious costs as a result, then you have business insurance in place to help you cope.

Business insurance comes in several forms and what may be suitable for you will, of course, vary depending upon the exact nature of your business and its risks. Typically this type of insurance can be configured to provide you with a package of cover that provides you with the protection you require so as to avoid being under-insured or paying for insurance that's more than you really need.

Phone shop insurance can provide protection in a number of key common areas. These may or may not apply to your specific business circumstances but the list typically includes:

· premises or shop insurance - this type of protection (shop and other business premises cover may need to be purchased separately) covers disasters that could mean your business premises is no longer able to function;

· stock and equipment cover;

· employers' liability insurance - to cover the costs of any claims made against you by staff or helpers that suffer injury or accidents while carrying out duties on your behalf (note - by law this insurance is a mandatory requirement in many situations);

· public liability insurance - if you are sued by a member of the public that suffers injury as a result of your premises or staff, then this insurance will typically help to meet the legal and any award costs;

· product liability insurance - this protects you from the costs arising from any awards against you as the result of a product that causes accident or injury.

If you've worked hard to build and grow your business, you probably won't want to see it wiped out in a second by a simple stroke of bad luck - and this is not impossible.

As an example, court awards for accidents that involve members of the public can be very high and may easily go into six figures if the injury is sufficiently serious. You could easily end up trying to find that sort of money from your own finances if you do not have appropriate insurance for a phone shop in place to help.

Phone shop insurance could help you avoid seeing all you've worked for taken away in an instant. You may be very busy but investing a little of your time in finding out more may make sense.

Trevor J Roberts is the editor of Quote4shops, a new site aimed at providing access to some of the UK's best commercial shop insurance. If you are looking for phone shop insurance then apply online or complete an enquiry form.

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Retail Shop Insurance

Owning a retail business can be a profitable venture especially in the current economical scenario. With job shortages at an all time high and the consumer market just starting to pick up again, opting for a retail business seems like the right way forward. Even though there are a number of benefits of having a retail business, it is important that one is able to keep up with all legal requirements.

Having satisfied customers is the most important part of having a successful retail business. Without customers, any retail business will not be able to operate successfully. For this reason, it is important that one takes care of their customers in every way possible. What you have to realize as a retail business owner is that there is always a high chance of risk involved due to the nature of a retail business.

With retail businesses, it is common to have incidents where products in your store are either stolen or damaged. Regardless of the number of security precautions that are usually taken, trying to avoid such situations is impossible. For this reason, there is a need for retail shop insurance.

Any business owner that deals in the retail market is bound to have some form of retail shop insurance. The great thing about most retail shop insurance covers is that they are known to protect your business against stolen and damaged items. Depending on what cover you opt for, one insurance policy could offer more cover in comparison to another.

Due to the increase risks of natural disasters on a global scale, most retail shop insurance plans are known to cover such unexpected events as well. Other things that are usually covered in such insurance plans also include vandalism and any damage to the property you own as well.

Due to the high demand of retail shop insurance, there are a number of insurance providers that are offering a variety of different plans to choose from. When deciding on which retail shop insurance cover to opt for, there are a number of things that you should consider. The most important thing that one should remember in relation to retail shop insurance is that the company you are getting the cover from is reputable and well known in the market.

There have been a number of cases where most insurance companies deny payouts in circumstances that should be eligible for an insurance claim. It is for this very reason that it is highly advised that one takes their time when it comes to choosing a particular insurance plan. It is quite common for one to easily get attracted to certain insurance plans over others due to the way in which they are advertised. It is highly recommended that before making any final decisions, one takes the time to read the entire fine print agreement. This agreement is known to have all the legal disclosures as in what the plan really covers you for and any clauses that it may have attached to it.

If you would like more information please visit our website Business Insurance Quotes [http://www.businessinsurancequotesuk.co.uk/]

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