MasterPackage™ for Retail & Shops

Our new and improved form offers the same extensive cover across property and casualty which can be tailored to meet the needs of your business.

Costs and expenses incurred for services provided by qualified professionals in the production or certification of documentation in the event of a claim.

Our policy contains a generous range of extensions, specifically designed for retail risks, including:

• Employee Theft: Cover for theft of money or stock by employees.
  
  
• Visitors Personal Accident: A benefit paid should a visitor suffer serious injury or death, including home and car adaption and funeral expenses.
  
  
• Seasonal Stock Increase: Automatic increase in the limit of liability for stock over Christmas, Easter and Bank Holidays periods.
  
  
• Customers’ Goods: Cover for loss or damage to goods belonging to a customer which are being worked on or being temporarily stored at the premises.
   
• Customers and Suppliers Premises (Specified or Unspecified): Cover for losses resulting from interference or interruption at customers’ or suppliers’ premises.
  
  
• Public Utilities: Cover for interruption or interference to the business due to loss of electricity, water, gas or telecommunications.
  
  
• Goods in Transit: Loss or damage to contents or stock whilst in transit by road, rail or inland waterway.
  
  
• Product Recall Expenses: Expenses incurred for media communication, collection, storage and disposal of goods and employee overtime following a recall event.
  
  
• Deterioration of Refrigerated Property: Cover for loss of refrigerated contents or stock due to sudden failure or damage to a refrigerator.
   
• Computer Breakdown: Cover for interruption or interference to the business due to computer breakdown, includes repair or replacement of computer equipment.

And more….

Important: Full terms, including sublimits, are outlined in the policy and are only active if specific sections are purchased. Please ensure you read the policy wording for how these extensions are applied.

We provide £500,000 of cover to be allocated across a number of key extensions at the time of loss, leaving you free to deploy this cover when you need it most and not having to second guess where you may need it at the time of loss.

Where public and products liability cover is purchased as part of MasterPackage™ an emergency response helpline is included, which is available 24 hours a day, 7 days a week. Up to £100,000 of crisis response expenses are also available for expenses incurred as a result of damage or bodily injury to third parties.