Within the day to day running of your newsagents your last worry needs to be whether you are fully covered for you insurance needs. This is where Endsleigh is here to help, we offer cheap and individualised newsagents insurance policies.
Our policy comes with contents cover as standard; this can cover fixtures and fittings, stock, computers and electronic goods such as tills, trade contents and all other contents. This cover can be optionally extended to include buildings insurance; this will cover you against insured perils for your shop front, any outbuildings, retail premises and landlord’s fixtures and fittings.
Public and product, and employers liability are included within you newsagents insurance policy. Any Business with employees requires employer’s liability insurance to cover the legal and compensatory costs if an employee injures themselves whilst at work, this cover comes as standard at £10 million. Public liability will cover your cost if for example a customer were to slip on a wet floor and break their arm, this cover starts at £2 million as standard but can be increased up to the value of £5 million in accordance to your specific needs.
If your newsagents is licenced to sell alcohol you may need to consider extending your policy to include loss of insurance. This means if you were to lose your licence due to no fault of your own you would be covered for the loss of gross profit due and appeal costs in relation to your licence being revoked.
An unfortunate fact of running a successful newsagents is the possibility of staff theft; this can be covered up to £5000.00, this cover will allow you to feel more secure especially as a small business and or sole trader.
If a key item of equipment were to break down, such as your food refrigerator, it could cause you a financial loss due loss of custom. Equipment breakdown cover is automatically included within your policy to ensure if it were to happen you would be covered not only for the repair and or subsequent replacement of the equipment but also for the loss of gross profits experienced.
Business interruption insurance allows you to claim if your business is unable to trade or operate from your premises due to an insured peril, for example if the premises were affected by flooding or fire, your insurance will cover the cost of loss of gross profit.
Here at Endsleigh we work with some of the top underwriters to ensure we get you the product you want for the best price.
You can purchase your newsagents insurance in two easy ways. Either get a quote online or ring our team directly on 0800 121 4407 where we can take you through your personalised quote.
