Shopkeepers
This package provides competitive quality cover for most shop, restaurant and pub risks. Cover includes:
Property, including an automatic 25% seasonal increase on Stock for November, December and 30 days preceding Easter; Theft; Machinery and Computer Equipment Breakdown Glass; External Signs; Money and Malicious Attack.
Business Interruption, on a Gross Profit basis sum insured £500,000 over 24 months unless increased, and including automatic extensions for Public Utilities (defined perils), Suppliers & Customers 10% limit subject to a maximum of £25,000, Prevention of Access, and Book Debts limit £25,000 any one loss.
Employers' Liability £10m Limit of Indemnity, and Public and Products' Liability £2m Limit of Indemnity, with extensions to the Public Liability Section including Leased and Rented Properties, Indemnity to Principal, HASWA, Wrongful Arrest limit £1,000 per event aggregate limit £10,000, and Defective Premises Act.
Legal Expenses limit of £50,000, with the option to increase to £100,000
Additional cover also available:
24 hour claims reporting, Legal Assistance & Tax, VAT and Business Call helplines are automatically included.
This is the standard Fortis cover with effect from November 2007. We also underwrite a variety of schemes, if you have a policy underwritten by Fortis you should check your policy document for full cover details.