From grocers, cafés and corner shops to beauticians and designer boutiques, Watkin Davies’ advisers will assess your business in order to select policies to support every facet of your high street business or online shop.
We can also support multi-platform businesses with a unique combination of policies selected just for you.
What Can We Cover?
Corner convenience store
Stacked to the ceiling with fresh and storecupboard produce, shop stock represents a lot of money – and that’s before you consider the bricks, mortar, and windows which make your shop what it is. If the street were to flood, damaging your premises, fittings and stock, the right combination of Buildings and Contents Insurance would keep you afloat while you refit and replace
Café or coffee shop
Selling food and drink comes with a specific set of worries. If an allergic customer consumed a nut-free pastry which inadvertently contained nuts, they may make a costly claim against you. Helping with legal costs and compensation payouts if you are found liable, Public Liability Insurance is a must for any business which interacts with customers, whilst Products’ Liability Insurance vouches for the safety of your goods.
Luxury jewellery boutique
If you hold valuable stock or equipment on-site, you can benefit from increased limits on your Stock cover, as well as special Theft policies to cover cash stolen from your shop or in transit. If an incident caused damage to your fixtures and fittings – such as those bespoke display cabinets you invested in – these can be covered under your Retail Contents cover.
Hair and beauty parlour
A complicated business with many products and chemicals on-site, beautician businesses need to be carefully assessed. Imagine an employee slips on hair that has not been swept up, and injures thier arm. Employers’ Liability Insurance can cover legal defence costs as well as compensation payouts and is a legal requirement for all businesses, whether you have one trainee, part-time employees or a team of full-time staff.
Online fashion business
Whether online retailing compliments your bricks-and-mortar shop or selling online is your entire business, sending customer parcels comes with the risk of goods getting lost, stolen or damaged before they reach your customer. Goods in Transit Insurance is designed for these occasions, protecting products on-the-move.
These are just some of the examples of businesses we can help.
So whether you own a boutique business or run a retail empire, we can find the right combination of insurance policies, that can protect your hard work and give you confidence you need to know your business is taken care of.