Shop and Salon

We understand how insurance needs can change from one business to the next, which is why we’ve designed our Shop and Salon cover so that your clients can pick the cover options that work for them. 

What's covered as standard?

• Employers' Liability - required by law if the business has any paid or unpaid employees this provides cover if anything happens to their employees as a result of the work they do
• Legal Expenses - whether it’s debt recovery, an unexpected employment dispute, damage to property or client contract issues, this cover can provide reassurance if your client faces misunderstandings and disagreements that result in legal action
• Products Liability - if your client sells items, product liability insurance covers your client's business if one of their customers or member of the public becomes ill or suffers an injury because of a product they've supplied
• Public Liability - supports your client with legal fees and compensation pay-outs if your client is accused of causing injury or property damage
• Property Damage - provides cover in the event of damage to any contents, machinery and plant or fixture and fittings in your client's business
• Money and Assault - losing money, whether by accident or theft, we can help to protect against losses from their premises, at their home and whilst in transit
• Glass - this includes any boarding-up costs, in the event that your client suffers an insured loss covered under the Property Damage section
• Stock in Transit - cover for your client's stock whilst it's in transit, including when it's being loaded, unloaded or temporarily stored in a vehicle connected with their business
• Seasonal Increase - we'll increase the sum insured on each item of Stock and Materials by 30% for the months of November, December and January or any other three-month period selected by your client 
• Business Interruption - to help your client get back on their feet and trading as usual if they're impacted or have to close their doors to the public due to an unforeseen insured event

 

What optional covers are available?

• Property Damage - your client can add buildings, stock and tenants improvements to widen their property damage cover to their business
• Terrorism - protection for property that's damaged or destroyed following a terrorist attack including subsequent business interruption
  
• Personal Accident - cover for compensation to your client should they or any employee suffer accidental bodily injury which results in serious injury or death
• Employee Dishonesty - protects your client's business against loss of money or other property caused directly by fraud or dishonesty committed by their employees
• Deterioration of stock - cover for damage, by deterioration or contamination, to food belonging to your client or for which your client is responsible, while contained in any refrigeration unit, safeguarding your client against unforeseen events
• Loss of Licence - protection against any reduction in the value of your client's interest in their business or premises, as a result of losing their licence

 

Did you know?

Policyholders can also access a range of legal help and advice through our Aviva Business Law website, powered by Farillio. Your clients can get access to business and legal guides, along with help for everything from branding to tax planning.