Property & Commercial

We offer flexible optional covers for all types of high street businesses.


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.

Access broker portal

Key documents

Retail package policy wording

Retail policy overview (IDD Compliant)

Report a claim

Product Oversight & Governance


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)


  • 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, franchises with good risk management and positive risk features.
Access our knowledgeable underwriters directly. Simply click the link to access the teams contact details.

Request a call back