Wholesale Insurance

Standard Cover

Please refer to the policy document for terms and conditions.
For examples of exclusions and limitations please click here.

Our insurance policy covers the following as standard:

Business contents - Our policy covers your machinery, plant, trade contents and stock against a range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises.
Business interruption - This helps you stay in business by covering loss of gross profit and reasonable expenditure incurred as a result of a loss covered under Section 1 of the policy.
A gross profit sum insured of £250,000 with an indemnity period of 12 months is our standard cover.
Loss of Accounts Receivable - Covers money up to a maximum limit of £25,000 that customers owe your business, but cannot be collected, due to loss or damage caused by an insured peril to your books of account or business records.
Public and Products Liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business.

Our warehouse insurance cover automatically includes the following extensions as standard:

Contents Extensions	Standard Cover Limit:
Breakage or malicious scratching of internal or external fixed glass, boarding up, repair to associated framework incurred as a result of an insured breakage and breakage of fixed sanitary ware.	Up to the amount of your contents sum insured
Repair or replacement of lettering, alarm foil or other ornamental work on glass.	£500 any one loss
Removal or replacement of fixtures and fittings which may be necessary in connection with the replacement of glass in occupied buildings.	£500 any one loss
Loss or damage to your merchandise, goods and tools or those held in trust by you for which you are responsible, whilst being transported anywhere in or between the UK, Channel Islands, Isle of Man and Republic of Ireland in any vehicle(s) owned, hired or leased by you.	£2,000 any one event and in the aggregate
Replacement of external locks following: Loss of keys by theft from the premises or authorised private residence. Hold up whilst such keys are in the personal custody of an authorised person.	£500 in any one policy period
Loss of money:
Whilst in transit or in a bank safe (cash carrying warranty will apply).	£3,000 any one loss
From the premises in a locked safe or attended during business hours.	£3,000 any one loss
From the premises not in a locked safe and unattended.	£500 any one loss
From the residence of any principal or authorised employee.	£500 any one loss
From vending machines.	£300 any one loss
Outside business hours:
From locked safe.	£1,500
From the premises not contained in a locked safe.	£500
Non-negotiable money (e.g. crossed cheques, credit card counterfoils).	£250,000 any one loss
Personal Accident - Assault resulting in bodily injury to you or an employee caused solely or directly as a result of robbery or any attempted robbery in the course of the business.	Weekly benefit for disablement - £100 per week up to 104 weeks. £10,000 for death, loss of limb(s) or sight.
Damage to property at exhibitions for up to 15 days.	£10,000
Loss of metered water directly resulting from accidental loss or destruction of or damage to the property insured.	£2,500 any one loss

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