Shop Insurance

Nationwide shops insurance is provided by Liverpool Victoria Insurance Company Limited (LV=).

Nationwide is pleased to be able to offer you a range of commercial package insurance policies including insurance cover for shops.

They combine wide policy cover and competitive premiums with a class leading quotation and policy administration service. Nationwide shops insurance policy offers a comprehensive range of benefits including:

• Highly competitive premiums with discounts for ‘low claims' & multiple premises;
• Comprehensive cover with high policy limits and Legal Expenses as standard;
• A wide range of optional extensions including subsidence and terrorism cover;
• A rapid quote service with access to knowledgeable underwriters and key decision makers.

On top of the standard Insurance features, you can choose from a range of optional extras to create the right level of Insurance cover to suit your business needs.

Owning and managing a shop presents its own unique set of challenges and Nationwide shops insurance is designed to reflect that. As a shopkeeper you will want to ensure that you are getting the right cover for your property and with Nationwide shops insurance, retailers ranging from traditional high street stores to units situated on retail parks can have peace of mind that they have great quality cover.

Nationwide shops insurance is designed for shopkeepers who principally sell stock or perform a service from the premises, for example:

• grocers;
• florists;
• chemists; or
• opticians.

The high quality and competitive policy cover includes:

• Specified Perils on Contents;
• 25% Seasonal increase on contents;
• Theft of keys and Lock Replacement - up to £1,000;
• Loss of Money in transit or in a locked unspecified safe - £3,000 standard limit;
• Theft by Employees - up to £5,000;
• Electrical or mechanical breakdown of Equipment - up to £500,000;
• Computer Breakdown - up to £250,000;
• Refrigerated contents - up to £15,000;
• Loss of Gross Profit - £500,000 limit with 24 months indemnity period;
• Public/Products Liability - Standard limit of indemnity £2,000,000;
• Employers’ Liability - £10,000,000 limit of indemnity;
• Legal expenses £100,000 in any one claim, £1,000,000 total limit; and
• 24 hour Legal Helpline.

You can also choose to add these great options for extra peace of mind:

• Accidental Damage;
• Buildings;
• Subsidence;
• Loss of Licence - up to £100,000 limit;
• Liability for work away;
• Terrorism cover; and
• Increased limits available.