Owning a shop requires you to be extremely organised as well as have a keen grasp of budgeting and customer service. All of this requires a lot of time and effort, which means that shop owners often struggle to find the time to search for cheap shop insurance. However, here at Nova Insurance we make things easy as we only ask our customers to fill out one simple form and then find the most competitive prices.
Here at Nova Insurance we also understand that the high street is currently going through a tough time, which means that shop owners need insurance policies that not only protect them but are flexible and beneficial to their businesses. For example, many of our customers choose not to pay the full annual amount for their insurance straight away and instead pay smaller monthly instalments more in line with their budgets.
If you are looking for a tailored insurance product for your shop make sure you see how competitive and beneficial our products can be for your business. No matter whether you own a restaurant, clothing store or charity shop it only takes a couple of minutes so you have nothing to lose except for expensive insurance premiums!
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How can shop insurance protect me?
In order for your business to thrive you will need a large amount of customers to visit your shop on a frequent basis. However, if you have a particularly busy business then you will find that wear and tear to your property will happen more often, and that your customers will also accidentally damage your goods. Even though it is a customer’s responsibility to pay for damaged goods, you don’t always find out about it until it’s too late, which is where your shop insurance can help.
How expensive will my premiums be?
Like all types of insurance, the cost of your shop insurance will depend on the amount of risk you pose, which can include where you are situated and the type of services you offer. It’s important to make sure that your business is not only protected when it is open but also when it’s closed, and if it is in a busy area you could find it more of a target for thieves. Our policies can protect your shop from damages caused by attempted thefts or fires from electrical faults, meaning that when you close up each night you can switch off too!
Can my policy cover my employees?
We strongly suggest to all our customers to include public liability cover in their policies as well as employer’s liability cover, as if one of your employees has an accident at work they could hold you responsible. It’s impossible for shop owners to keep an eye on their staff at all times, especially if they work in a fast paced industry where accidents do happen. Even if these accidents aren’t your fault you may have to argue your case in court, and our shop insurance can cover the cost of legal fees.
Our shop insurance is extremely extensive, which means that you are protected against a wide range of damages as well as various forms of liability. Add to this our competitive prices and excellent customer service and you can see why so many customers choose to use Nova Insurance time and time again. We have also been in the insurance industry for over 18 years, which means that you will not only have our products on your side but also our experience. If you would like any more information about our shop insurance policies then call 0800 083 1566 and one of our advisers will be happy to help!