Retailers

SUMMARY OF COVER - SHOPS, RESTAURANTS AND PUBS

Contents

Contents are insured against loss or damage on a wide accidental damage basis including theft, subsidence, escape of oil or water and leakage of beer. (Excess each and every claim £200 increasing to £1,000 for subsidence)

Goods in Transit - in your motor vehicles (owned or hired), up to £2,500 per incident.

Breakage of Fixed Glass - including framework, lettering, alarm foil and necessary boarding up as well as fixed external blinds and signs.

Seasonal Increase - 50% increase in Stock sum insured for defined Christmas and Easter shopping periods.

Replacement of Locks - following theft of keys up to £1,000.

Underground Services - damage to underground pipes and cables.

Deterioration of Stock - deterioration of frozen stock, up to £2,000 - freezers under 15 years.

Exhibition Cover - up to a limit of seven days any one period of insurance - limit £2,500.

Business Interruption

Damage to your Buildings or Contents can seriously interrupt your ability to trade and/or put your business to considerable additional expense. Cover is provided for loss of gross profit resulting from interruption of the business following damage for 12 months. A limit of £350,000 applies.

Extensions:

• Damage to suppliers' premises by an insured event, up to 10% of Gross Profit sum insured.
• Prevention of access to your premises following damage to nearby property by an insured event.
• Public Utilities - accidental failure of public electricity, water, gas and telecoms.
• Food or drink poisoning, defective sanitation, vermin, pests, murder, suicide or a notifiable human disease at your premises.
• Book Debts - your inability to collect outstanding accounts following insured damage to your business records, up to £25,000.
• Loss of Liquor Licence - loss of gross profit up to £100,000
• Unspecified suppliers' premises - 10% of sum insured.
• Loss of attraction to shopping vicinity caused by damage to neighbouring premises.

Legal Liabilities

Protection is provided against your legal liabilities for bodily injury or damage to property up to the following limits:

• Liability for injury to employees - £10 million any one occurrence.
• Liability to the public - £2 million any one occurrence.
• Liability for goods sold or supplied - £2 million in any one period of insurance.
• Liability for pollution or contamination - £1 million any one period of insurance.

Money

Money is covered up to the following amounts:

Crossed Cheques and other non-negotiable items .......................................................................................... £250,000

Cash, Bank Notes and Open Cheques

• In transit/on the premises during business hours ........................................................................................ £4,000
• In your premises when closed for business and contained in a locked safe .......................................................................................... £2,000
• In your premises when closed for business and not contained in a locked safe ............................................................................................. £250
• In machines at the premises ............................................... £500/machine
• In the private dwelling of any person to whom the money is entrusted ..................................................................................... £500
• In any other circumstances ................................................................................ £250

Excess: £50 each and every claim

Personal Accident Assault benefit included.

Optional Extensions

Buildings or Tenants Improvements

Personal Accident

09/07