Business insurance · Property and fire

Shop and small business package

One policy combining property, cash, public liability and glass for small shops and offices.

Get a quote for this product Property and fire

What it covers

Who is it for? For shop, pharmacy, restaurant and small office owners.

Contents and stock
Cash in safe and in transit
Liability to customers
Glass and signage

Final cover, limits and exclusions are set by your approved policy.

What the policy usually excludes

Gradual wear, tear and lack of maintenance
War, hostilities and nuclear risks
Deliberate damage by the insured

What you need to apply

Title deed or lease
Schedule of contents or stock and their values
Photos of the premises and its fire protection

When something happens

Report at once and notify civil defence or the police as the loss requires
Do not dispose of damaged property before the surveyor’s visit
Submit a list of losses with invoices or estimates

Get a quote for this product

Choose a product, leave your details, and an advisor comes back with your offer.

How to buy

Instant issue applies within the limits underwriting approved; anything above goes to an underwriter and the decision comes back to you in your account.

Choose the product and see the price
Products sold online show their price at once from the approved tariff; for the others an advisor prepares the offer and contacts you.
Answer the assessment questions
Short questions about the risk. Anything within the instant limits is accepted on the spot; anything above is reviewed quickly by underwriting.
Accept the contract and pay
You read the contract in your language, accept it, then pay by card through a licensed payment gateway.
Your policy in your account and inbox
A digitally signed policy downloads at once and arrives by email, and anyone can verify it by QR code.