A Retail Combined insurance policy, is a purpose built product, designed to cover many aspects of risk your retail business may be exposed to, all under one policy. Retail Combined policies generally covers:

Liability Insurance – Typically broken down into 3 categories, including Public, Products & Employers Liability. This cover essentially protects your business against claims of compensation, made by members of the public, or your employees.

Material Damage Insurance – Provides insurance cover for your business assets, such as:

• Buildings or Tenant Improvements
• Point of Sale Systems, Racking and all other Contents
• Stock
• Electronic Equipment
• Money
• All Risks cover, for assets to be covered throughout the UK, EU or Worldwide
• Goods in transit, if an item is damaged or destroyed in the course of transit

Business Interruption Insurance – If your premises was to have an unexpected incident, such as a fire or flood, you’re work activities and sales may be affected, ultimately leading to a loss of income. Retail Combined insurance policies can provide your business with the necessary protection, covering loss of income following an insured event, until your business is back to being fully operational.

There are many insurers in the Retail Combined sector, with varying cover options, making it difficult to source the best insurance solution for your business. Should you wish to know more, or would like for Integrum to review your insurance needs, please get in touch or complete our contact form for a member of our team to contact you.