Retail business

In practiceA fire or flood damages your store and stock, and property and inventory coverage pays to replace them.

In practiceA customer is injured or their property is damaged in your shop, and general liability responds.

Not coveredDamage to your own building or stock is property insurance, not liability.

In practiceA break-in or forged cheque hits the till, and theft and crime coverage responds.

Not coveredUnexplained inventory shortages are typically excluded.

In practiceA covered loss forces a temporary closure, and business interruption helps replace lost sales.

Not coveredA slow season, not a covered event, isn't covered.