Summary of cover

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

Nationwide shops insurance has been built bearing your needs as a shopkeeper in mind. Whether you’re a small high street store or a retail unit, Nationwide shops insurance offers great cover as well as peace of mind.

The table below offers a summary of the main Nationwide shops insurance cover limits. You should read the policy information documents for full terms and conditions.

Summary of cover

Cover	Limit of cover	Excess
Material Damage
Glass	Glass within sum insured / Inner limit of £2,500 for Sanitary ware	£250
Underground Services	Limited by the insured's liability	£250
Theft Damage to buildings if buildings not insured	£25,000 total per year	£250
Loss of Metered Water	£5,000	£250
Trace and Access	£5,000	£250
Theft of Keys/Lock replacement	£1,000	£250
Temporary Removal	The lesser of 10% Sum Insured/Max £100,000	£250
Exhibitions	£2,500	£250
Other locations	£2,500 any one/£10,000 total per year	£250
Third party storage locations	£5,000 any one loss/£20,000 total per year	£250
Clearing of drains	£5,000	£250
Fire Extinguishment Expenses	£5,000	£250
Seasonal increase on contents	25%	£250
Money	£3,000 with option to increase	£100
Theft by Employees	£5,000	£250
Goods in Transit within Great Britain, Northern Ireland, Isle of Man and Channel Islands	£3,000 with options to increase	£100
Business Interruption
Loss of profit	£500,000 with options to increase	£250
Indemnity period	24months	£250
Premises Closure	£25,000	£250
Suppliers	£25,000	£250
Denial of Access	£100,000	£250
Public Utilities	£100,000 (30 minute minimum failure)	£250
Telecommunications failure	£100,000 (8 hour minimum failure)	£250
Property in Transit	£50,000	£250
Documents away from premises	£25,000	£250
Storage Sites	£25,000	£250
Contract Sites	£25,000	£250
Equipment Breakdown	£500,000	£250
Loss of Contents of Oil Storage Tanks	£5,000	£250
Loss avoidance measures	£5,000	£250
Refrigerator contents	£15,000	£250
Liability
Public & Products Liability	£2,000,000 standard / options up to £5,000,000	£100
Legal Expenses Sub-section A (see policy document) All other	£100,000 Any one claim / £1,000,000 in total per year	£250 Nil
24 hour Legal Helpline	N/A	N/A
Employers Liability	£10,000,000	Nil

Summary of optional cover

Optional Cover	Limit of cover	Excess
Loss of Licence	£100,000	£250
Terrorism	Chosen by you	Nil
All Risks portable property	Chosen by you	£250
Accidental Damage	Chosen by you	£250
Subsidence	Chosen by you	£1,000

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Other ways to apply

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Summary of cover

Summary of cover

Summary of optional cover

Other ways to apply

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