Retail and Salon

Retail and Salon
You can now sumbit your risks for this product online via our Broker Portal. Find out more*

Using our Web submit enquiry form via our online Broker Portal, we can produce a flexible solution, typically within hours, giving you the competitive edge in a sometimes difficult market environment.

What is it?

Whether your clients business is a bakers, clothing retailer, green grocer, fishmongers, coffee shop or a hair/beauty salon, Touchstone Underwriting offer flexible optional covers for all types of high street businesses.

Our dedicated package underwriters can tailor the cover your client needs to protect their business and, like a lot of successful retailers, we believe in the value of personal service. Our approach involves taking the time to listen, assessing your client’s business profile and providing a comprehensive Insurance package to assist protection of their business.

Coverage Limits:

Our Retail & Salon product’s provides as standard (with options to enhance/increase):

  • 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 –£10,000,000 standard ( up to £25,000,000)
  • Public & Products Liability – £2,00,000 standard ( up to £25,000,000)
  • Legal Expenses up to £100,000 any one event & £1,000,000 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

Optional covers available:

  • Buildings
  • Book debts
  • Terrorism
  • Additional Computer Cover
  • Loss of Licence
  • Deterioration of Stock
  • Beauty & Hairdressing Treatment extension up to £500,000

Customer Profile:

Small independent high street shops, salons, franchises with good risk management and positive risk features


Target Business

High street SME shops, salons