Specialist Insurance cover for Bridal Shops
Property damage all risks - Buildings, Tenants Improvements, Contents, Stock, Computers
Fire, lightning, explosion, earthquake, storm, fl ood, theft following violent and forcible entry or exit, escape of water, impact by road vehicles or animals, accidental loss, impact by aircraft or other aerial devices, riot, civil commotion, strikers, locked out workers, persons taking part in labour disturbances, malicious persons other than thieves. Stock covers - bridal dresses, bridesmaids' dresses, bridal accessories, menswear, prom and evening wear and all other stock in connection with the business.
Business Interruption - £250,000 cover as standard
This section provides insurance for losses caused by interruption to your business following damage or loss to insured property.
Money and Personal Accident Assault - up to £5,000 cash
Limits should be suitable for your needs.
Goods in transit - £5,000 cover as standard
This section covers loss or damage to specified goods whilst in transit.
Employers' Liability, Public and Products Liability - £10 million, £2 million, £2 million
These sections cover legal liability for damage and claimants costs in respect of any person employed arising out of and in the course of their employment. Legal liability for damages and costs in respect of accidental injury to person, accidental damage to property or accidental nuisance occurring in connection with the business. Legal liability for damages and claimant's costs and expenses in respect of costs and expenses for accidental injury or accidental damage to property caused by any product.
Legal Expenses - £50,000
This section covers subject to specific limits, legal expenses for all insuring clauses stated below except for tax
protection where cover is for professional expenses:
Employment disputes, health and safety, criminal prosecution, property disputes, data protection and tax protection.
- Replacement locks up to a limit of £1,000
- Stock and contents at trade exhibitions up to a limit of £5,000
- Contents temporarily removed from the premises up to a limit of 15% of the relevant sum insured.
- Stock automatically increased by 25% from March to October free of charge