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Business & Retail

Business and Retail Insurance Packages

Do I need it?

If you run a business then you should be fully aware of the particular risks to which you are exposed, so it makes sense to have the right level of cover in place.

Whatever size of company you run, it’s essential that you protect your business with the most comprehensive insurance to give you complete peace of mind. This will allow you to concentrate on what you do best – working with customers and developing your own business.

Unfortunately, the current economic climate has made many businesses, including retail outlets even more of a target for criminal activity. But that’s only one threat you should bear in mind; your assets, profits and liabilities all need to be adequately protected. You should also consider the impact that losses such as fire, fraud, vandalism and terrorist activity could have on your business.

At CCI we have the expertise to provide the most effective insurance package for your needs, whether you operate from single premises or have multiple site operations.

What is it?

Whatever the size of your business we’ll work closely with you to ensure that you benefit from the most competitive and effective cover.

A typical insurance package may include:

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Property damage, including theft for:

Buildings
Tenants Improvements
Contents
Stock
Computers

Business Interruption cover in relation to:

Loss of Profits / Revenue
Loss of Licence

Liability cover in relation to:

Public Liability
Products Liability
Employers’ Liability

Other covers such as:

Money
Personal Accident / Assault
Commercial legal protection
Employee dishonesty
Frozen food
Terrorism

As specialists in this field, we understand that every business has different requirements, so we’ll create a tailored solution that matches your situation, ensuring that you only pay for the level of cover that you actually need.

If you’d like to find out more about how we can help you with Business and Retail Package Insurance please contact a member of our team for an informal, friendly discussion.

How well protected is your business?

Your buildings, plant / machinery, general contents, electronic equipment and stock etc all need to be adequately protected. At CCI we consider all the risks that may affect you and build an effective package to meet your needs.

We can provide policies that cover your business for the replacement cost of stolen or destroyed items, or the repair of damaged items. Alternatively, “indemnity” cover (which deducts the cost of wear and tear from any settlement amount), could be arranged so that in the event of you needing to make a claim you are put back in the same state as prior to the loss.

If you’d like to find out more about how we can help you with Business Assets Insurance please contact a member of our team for an informal, friendly discussion. 

In the event of a loss, would your business’s reduced revenue or profit be covered?

Our business interruption policies can insure against your loss of revenue or profits and the reasonable increased overheads you may incur resulting from an insured incident.

Business interruption cover should be a vital part of your business continuity plan and is crucial given that cover cannot be changed after the event. We can talk to you about the various forms of cover available which can additionally include:

  • Advanced Loss of Profits
  • Additional Increased Cost of Working
  • Loss of Rent Payable or Receivable
  • Loss resulting from damage at your Supplier’s or Customer’s premises.
  • Loss resulting from denial of access to your premises
  • Loss resulting from the failure of public utilities
  • Loss resulting from the breakdown of specific machinery / plant

If you’d like to find out more about how we can help you with Business Profits Insurance please contact a member of our team for an informal, friendly discussion.

The legal requirements for liability insurance do vary depending on the nature of your business.

Should an employee or a third party sustain physical injuries, death or even damage to their property as a direct result of your business’s negligence they could claim against you for compensation.

We will carefully assess your risks and offer you the most appropriate cover for your needs which can include:

  • Products Guarantee / Recall
  • Efficacy (failure of your products to perform their intended function)
  • Financial Loss

If you’d like to find out more about how we can help you with Business Liability Insurance please contact a member of our team for an informal, friendly discussion.