Property & Commercial
We offer flexible optional covers for all types of high street businesses.
Summary
Our cover is full of benefits to ensure your clients are fully protected and our dedicated underwriters can tailor coverage limits to your client needs to protect their business.
Submit your risk online
Submit details of your risk directly to our underwriters for priority review.
Claims
Submit a claim
Alternatively, if the loss or damage is extensive, please call our Claims Department as soon as possible. Full contact details here.
Helpline details
Property claims – 0344 412 9988
Liability claims – 0344 893 9500
Key benefits
Trade contents up to £500k per location
Goods in transit £10k
£10k money in unspecified safe 4. BI – Gross Profit – £800k (24 month indemnity Period)
Features
- Trade Contents up to £500,000 per location
- Money £ 3,000 on Premises during Business Hours & £1,000 in a safe (option to increase)
- Business Interruption up to £600,000 over 24 months Indemnity period (option to increase)
- Employers Liability –£10M standard ( up to £25M)
- Public & Products Liability – £2M standard ( up to £25M)
- Legal Expenses up to £100,000 any one event & £1M any one period of Insurance
- Automatic EU cover for Trade Contents & Fixtures and Fittings
- 35% annual Stock seasonal increase
- Trace and Access up to £25,000
- Uninhabitable Premises cover
- Damage to shop front
- External Blinds, Awnings, Canopies & Signs- up to £2,500
- Removal of Vermin up to £1,000
- Goods In Transit – £2,000 standard (option to increase)
- Glass Cover
- Clearing of Drains £2,500
- Free Tax advise helpline
- 24 Hour Legal Advise Helpline
- Online risk management service
(with options to enhance/increase)
Additional cover
- Buildings
- Terrorism
- Additional Computer Cover
- Loss of Licence
- Personal Accident
- Theft by Employees
Target Business
Small independent high street shops, salons, franchises with good risk management and positive risk features.
Your expert team
You can access our knowledgeable underwriters directly to discuss your clients’ needs.
Simon Bell ACII
Lead Underwriter
01923 298 441
07873 300 883
simon.bell@t-u-l.co.uk
David Fitzgerald
Senior Underwriter
01923 964 899
07708 473 336
david.fitzgerald@t-u-l.co.uk
Rob Lovell
Underwriter
01752 424 665
rob.lovell@t-u-l.co.uk
Kevin Stitt
Underwriter
01387 272 617
kevin.stitt@t-u-l.co.uk
Amanda Foweraker Cert CII
Underwriter
01245 847 630
amanda.foweraker@t-u-l.co.uk
Harry McMahon
Underwriter
01387 403 012
harry.mcmahon@t-u-l.co.uk
Caitlin Brown
Underwriting Assistant
01245 847 630
caitlin.brown@t-u-l.co.uk
Connor Brown
Underwriting Assistant
01387 216 684
connor.brown@t-u-l.co.uk
@TouchstoneUw
@touchstone-underwriting-limited
@touchstoneuw