Offices and Shops

Whatever size your business, Shop, Office and/or Restaurant, we will work with you to provide a package that is unique to your circumstances, rather than a “one size fits all” approach.

All business can be affected by different threats and risks.

Your business needs to be covered against loss of property or trade following an adverse event such as a fire or theft.

As the owner of a business, you also have considerable legal responsibilities towards your employees, customers and the public.

Cover can be arranged on a typical ‘package’ basis for your business, protecting you against the following:

• Employers Liability - Protects companies against damages and legal costs that arise as a result of claims from employees suffering an injury or disease due to, and during, their employment.  Employers Liability cover is a requirement under UK Law and companies failing to comply with government regulation are at risk of a fine.
• Public Liability - cover can be provided in respect of legal liability to pay compensation (including legal costs) for accidental death or personal injury to any person excluding employees and accidental loss or damage to third party material property. 
• Products Liability - covers legal liability for bodily injury, illness or disease or loss or damage to third party property arising from products sold or supplied.
• Property Insurance - covers buildings, stock and contents against loss or damage as a result of fire, theft, or a range of other perils. The policy can often be extended to include "accidental damage" cover, and also cover for items temporarily removed from the insured premises.
• Loss of Profits - loss of gross profit and additional costs of working, following loss or damage at the insured premises.
• Money - cover for physical loss or damage of 'money' pertaining to the business, occurring within the UK.
• Goods in Transit - cover for business property whilst in transit.

If you need to discuss your Office or Shop insurance requirements then please email enquiries@rmci.co.uk or contact us on 0870 7574 870.