Retail Insurance

To insure your assets from possible loss or damage and to protect you from any potential liability, you will need a number of insurances. Our experienced and dedicated team have a number of excellent facilities available and will ensure that you are properly covered at all times and for a very competitive premium.

Convenient and Comprehensive
Researching and purchasing each policy separately can be expensive and time consuming. Charter Insurance Brokers aim to reduce the inconvenience to you, allowing you to spend your time more constructively. We combine the most common insurances required to run your business, whilst offering the flexibility to tailor the coverage to meet your specific needs. A good quality retail package policy will offer comprehensive cover that reflects the risks within a retail environment.

Assessing Risk
It is vitally important, to supply accurate information as to the value of your assets. In some circumstances, incorrectly valuing the amount to be insured could affect your claim and covering your assets for more than they are worth, will result in you paying a higher premium than necessary. Some Specialist Insurers may offer to survey your premises before commencing cover. Your individual Account Manager will be happy to discuss this with you.

The following insurances are common, highly practical and, in some cases, a legal requirement.

• Employer’s liability insurance If you employ anyone outside your immediate family, you are required by law to purchase employer's liability insurance. This insurance offers you protection for any liability arising from injury or illness sustained by employees while they are working for you.
• Public liability This will protect you from any liabilities from a Third Party (other than your employees) bodily injury or damage to their property that may occur during the normal operation of your business.
• Products liability This will protect you from any liabilities from a Third Party bodily injury (other than your employees) or damage to their property that may occur from products you sold or supplied.
• Material damage insurance There are several different insurances that are designed to cover your various assets (building, computer equipment, stock, or contents) from loss or damage caused by various causes (fire, flood, theft or other disasters).
• Business interruption insurance This covers you from the loss of turnover or trading profits from damage to your property that prevents the normal operation of your business.
• Money insurance In specific circumstances this will reimburse you for money that is lost or stolen from the premises, your home or whilst you are moving it to another location.
• Goods in transit insurance Covers you for accidental loss, destruction or damage to goods in transit and the cost of alternative transport if needed.

Understanding how you are covered is as important as understanding how much you are covered for. We have the expertise to ensure that your cover is comprehensive enough to protect against the main risks affecting your business, whilst avoiding duplication of cover and offering a truly competitive premium.