Ageas shop insurance

As a shopkeeper your job is a busy, time consuming and multi-faceted one and you won't have time to search the internet for hours looking for shop insurance to protect your business. The Ageas Shop insurance policy brings together all your business needs in an attractive, comprehensive and affordable package. With the backing of Ageas you can relax in the knowledge that should a calamity befall your shop you would have the necessary financial backing to make a full and speedy recovery.

Stock and contents insurance constitutes an absolutely crucial element of any shop insurance policy. Ageas offer cover for theft of keys, loss of metered water, damage to or loss of freezer contents, seasonal stock increase and much more to ensure you and your shop are properly covered. Up to £1,000 will be available for theft of keys, 25% of stock sum insured for seasonal stock increase and up to £2,500 for both loss of metered water and freezer contents; these might sound like large sums of money but the costs associated with replacing lost or damaged stock and the increased vulnerability of your premises when it houses greater amounts of stock means that they are not too high.

Liability insurance is another fundamentally important aspect of the Ageas shop insurance policy. The nature of your business means that, on a regular basis, members of the public will be present on your premises as customers. You'll do your utmost to ensure their safety and comfort when they're in your shop but because accidents can occur at any time Ageas offer generous levels of liability cover. Employers liability insurance – compulsory by UK law if you have one or more employees – is offered up to the value of £10m with the Ageas policy and public liability insurance is available with indemnity limits of £1m, £2m, £3m, £4m and £5m. These are huge sums of money but they need to be: litigation is extremely costly and it could ruin your business if you had to meet the cost yourself. Ageas, therefore, also offer up to £50,000 cover for legal expenses with their Commercial Guard shopkeepers insurance policy.

Ageas also offer you, as standard, cover for money left in a locked safe outside business hours and in transit. And because shopkeeping can be a dangerous business sometimes, cover is also available for death and disablement benefits following malicious attacks and loss of gross profit due to disruption in trading, extending over a 24 month period.

For further details please read the Ageas shop insurance keyfacts .