Shopkeeper’s public liability insurance cover
Due to the fact that you are offering products and services in such a way that you are inviting members of the public onto your premises, it is essential that you have a retail shop insurance that includes public liability insurance cover. In situations where a member of the public is injured on your premises, or their property gets damaged, you need to be covered with retail insurance so that you can deal with any costs that are associated with paying for someone’s injury (the legal cost of doing so, as well as compensation), and also for paying to replace the property of anyone whose property is damaged as a direct consequence of being in your shop.
It is a truism that it is impossible to predict an accident, and this is why going without retail policy Public Liability Insurance is to play a ludicrous Russian roulette with your livelihood. You may feel that the nature of your work, and the type of shop that you run, does not call for insurance, but this is never the case. It is as important for a wedding cake retail shop to have retail shop insurance, as it is for a store that sells sharp objects. Someone is just as likely to trip over in your shop as they are in any other shop. Trip slip fall incidents are indiscriminate, making retail shop insurance obligatory.
Say for instance a person was to fall over in your shop because a delivery was in process. You have, for arguments sake, a relatively small premises, and so the process of taking a delivery means that boxes have to be placed in pathways that are there, primarily, for customers to use. This chance occurrence is unavoidable, and it just so happens that you were unlucky enough to have a customer in whilst a delivery was being made. The cost of paying for the personal injury claim against your company, and the legal costs associated with this, are potentially so high that you simply would not be able to meet them without being able to claim against your insurance company – and all this for a comparatively nominal premium payment, monthly or once a year.
Retail shop and liability insurance policy
It is relatively easy to get your public liability insurance cover as it is included in your shop insurance policy that will cover both your contents and liabilities. Just click on the Get quotes button, complete the questionnaire and you will be offered free quotes to choose from. All our quotes offer top-level protection cover at a good honest premium charge. Please try our quotes!