For Shops and Retail outlets cover Insurers will offer an “all in” or Package policy which would automatically include a wide range of covers that a typical Business would require.

The cover may include the following:

Including Buildings, Fixtures & Fittings, Contents, Stock, Computers and Tenants Improvements

Two points to note:

• For Theft cover to apply there must be forcible and violent entry/exit to the property – if any item simply goes missing it is likely that it won’t be covered under your policy
• It is advisable to separate the cover for your Computers and ensure that Laptops are covered outside the premises.

Covering your loss of Profit and also may include the additional expenditure required to get you back to a trading position you had prior to a loss

Insuring your cash, cheques etc. at the office or in transit to the Bank. The policy can extend to include Personal Accident Assault which covers injury to an employee in the course of a transit.

As an Employer you may be held liable for an injury to an employee. Cover for this eventuality is usually included for a limit up to € 13,000,000

Employers Liability insurance does not cover issues like sexual harassment, bullying, discrimination or other similar employment related issues. This is properly insured under an Employment Practice Liability (EPL) policy.

Public Liability protects you in the event of a claim from a member of the public whether it is in injury, property damage and associated financial loss. Generally the limit covered is € 1,300,000 or € 2,600,000.

Products Liability protects you in the event of a claim from a member of the public arising out of the sale or supply of your goods.

Types of Business :

• Newsagents & Grocers
• Hairdressing & Beauty
• Alternative Medicine
• Retail Shops
• Garden Centre
• Clothes-wear
• Accessories
• Books
• Jewellers
• Florist
• Music

Other covers which should be considered but are not standard on a Shop or Retail policy are:

Misappropriation of money or goods by dishonesty or fraud by an employee

Covering the cost of recalling defective or faulty goods

Covers legal expenses in defending an action brought by a customer or employee

InsurePlus is a regulated and independent insurance broker providing honest insurance advice and quality products for our clients in the business sector. We have earned a first class reputation for our professional approach and excellence.

Our Staff, who have over 40 years combined insurance experience, are focussed on delivering insurance cover, for people in business, which is competitively priced supported by an unbeatable and friendly service.

First, we listen to what you need.
Then, we provide a comprehensive search of the insurance market to ensure you get quality cover at an affordable price.
Throughout the year, we support you with our knowledge, advice and day-to-day service.
Ultimately, if you have a claim we handle the paperwork and give you the best advice which is necessary to organise settlement.