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A Guide To Shop Insurance

Owning and running a shop can be hard enough work in itself, often seven days a week, without the additional worry of what might happen to your livelihood should the worst happen. Fortunately there are many different shop insurance policies available today covering all the risks that a retailer might face in running a business from a premises that sells goods and services to the public.

A shop insurance policy will contain a variety of covers, packaged up for the convenience of the shopkeeper.

These include shop buildings and contents cover, stock in trade cover, business interruption and loss of profits, money cover and staff fidelity insurance, legal protection, window & glass cover for shop fronts, goods in transit, public liability, employers liability, and various options to cover shop specific risks. Shop insurance packages will include as standard most of the above risks, whilst some insurers allow the prospective policyholder to select the covers that are appropriate for their particular type of shop.

Shop Insurers use various basic rating factors to decide premiums and postcode and annual turnover are major factors.

The location of your shop will largely determine the price you pay for cover, in particular for shop stock and contents. A shop located in a run down housing estate with known propensity for theft and vandalism will command a much higher premium than one located in a modern shopping centre with street security and CCTV. Annual turnover is used to calculate cover levels such as the impact of a loss on a shops ability to trade.

Shop buildings insurance covers the costs of rebuilding the shop and the costs of replacing the shop front, which is invariably made of glass. All buildings insurance covers permanent fixtures and fittings such as toilets and doors. This cover is available for both shop owners and those who lease the property.

Shop contents insurance covers all the additional shop fittings and equipment that is used in the daily running of the business. Most insurance companies will require a breakdown of the contents of the shop into sums insured fo business equipment, fixtures and fittings, electrical and computer equipment, tenants improvements, refrigerated stock and all other stock.

Shops that require protection for high risk goods held on the premises will usually need to declare the total values of each stock item. High risk shop stock and goods are those that attract thieves and are expensive to replace. Examples of high risk stock items are electronic equipment, cigarettes, and tobacco, designer clothing, computers and digital equipment, software, computer games and consoles, drugs pharmacy and medicines, watches and jewellery, mobile phones and radios, photographic equipment, power tools, TVs, DVDs, CDs and Wines and Spirits.

If your shop has high risk stock you can reduce the cost of your premiums by having adequate security in place. This includes an insurance company approved burglar and fire alarm, window grills, shutters and bars, CCTV and sprinklers. Many shop insurers will only offer stock cover if the minimum levels of security are in place for all shops, regardless of the stock contents held. A lot of insurers may offer further large discounts to the premium if the shop owner lives on or above the premises and is there at night.

Shops by their very nature deal with members of the public and a good insurance policy will usually contain liability cover as standard. This should include Public Liability of up to £2,000,000 for any one claim by a member of the public who may suffer loss or injury visiting the shop.

If you employ staff all policies will offer Employers Liability cover of up to £10,000,000 one event and because shops sell goods and services, Products Liability cover of £2,000,000 for any one period of insurance.

Other standard features of a shop insurance policy are various levels of cover for Legal expenses and Legal protection, Employers, Public and Products Liability, Loss of profits, Glass and Sanitary Ware, Money cover and staff Personal Accident assault, Business Interruption, Goods in Transit, Loss of Licence, Treatment Risks and Seasonal increases in stock contents value.

Shop Iceland – Candy, Food, Music And Movies At Iceland Shop

If you have never been to Iceland, one way you can experience this country is to shop Iceland online. You can find candy that is unique to this country as well as movies and music and traditional foods from Iceland when you go to an online Iceland shop.

Thanks to the internet, it is now easier than ever to get imported products from countries that you might not otherwise visit. Iceland candy is very popular with children as well as adults and there are many Smurf candies that are available when you shop at an online Iceland shop.

Because the internet makes it so convenient to buy products from other countries, you can shop Iceland with ease. You can take a look around at the different types of candy and foods that are traditional to this part of the world. The next best thing to visiting a country is eating the food and candy from the country and you can now do that easily when you go to an Iceland shop.

In addition to food, you can also learn something about the culture of Iceland when you buy movies and music. You can shop Iceland for all things that are unique to this part of the world simply by going online. It is the easiest way to get what you want while also giving you the opportunity to experience the culture of this charming country.

Many people who decide to shop Iceland are familiar with the country itself. These are people who are from the country itself or have been living here for long and may now be living in other parts of the world where they miss the foods, music and movies from home. Others who visit an Iceland shop may be people who have heard so much about the country and are curious about the country and culture and want to learn more about it. And there is no better way to do so than by shopping at a store online that sells products from Iceland.

You can use your credit card when you visit an Iceland shop and get your order shipped right to your door. You will feel as though you are visiting the country when you shop Iceland as there are so many things for you to explore. The food in this part of the world is delicious and the candy is exquisite. If you are looking for something different to give as a gift to someone or to yourself, you need to shop Iceland and take a look at the selection online.

From movies to music to food, you can experience everything from Iceland no matter where you live as long as you have a computer and access to the internet. You can shop Iceland right from your home and have the items delivered right to your door. When you visit an online Iceland shop, it is the next best thing to actually visiting the country of Iceland.