Getting the right insurance for your business is vital, but choosing the best insurance policy available can be a confusing and time-consuming chore. With so many elements to consider - from contents insurance to employers liability - and with numerous insurers offering differing propositions, it can be difficult to know if you are getting a good deal.
But now Convenience Store can help. In a first for the retail press, we are launching a totally bespoke insurance scheme exclusively for you, our readers. With 22 years serving the convenience retailing sector, we have used our knowledge and insight of the sector and teamed up with the UK's largest commercial insurer, Norwich Union, to create one of the most competitive, tailored and flexible insurance schemes available on the retail market.
Insurance is essential to both protect your livelihood and to provide the best advice should an unfortunate incident happen. Any insurable incident, from a broken window to severe flooding can, if not handled professionally and appropriately, become a major nuisance in the day-to-day operation of your business, with spiralling costs and potential loss of earnings.
Convenience Store Insurance offers a number of typical cover benefits as standard, as well as many additional add-ons such as flood damage, building or tenants' improvements, frozen food or loss of licence. It's a bespoke policy with extremely competitive premiums. And to ensure that absolutely every reader's individual needs are catered for, a broker will look at a panel of insurers - with Norwich Union being the lead insurer - to ensure that the cover is truly tailored for your business and that a solution will be found for any insurance requirements outside of the ordinary.
Convenience Store editor David Rees says: "Our scheme is in association with Norwich Union, which is the largest insurer within the commercial market, providing thousands of policies a year to business owners, and we believe we have forged a powerful combination that will deliver real value to our readers. Our insurance proposition will ensure our readers have access to the right product at the right time, helping them to remain 100% focused on the challenges of running a small business.
"Keep a look out in future editions for other valuable products and services from Convenience Store and Norwich Union."
To obtain a competitive quote or to find out more, call Convenience Store Insurance on 0870 161 0864, where you will be greeted by one of our friendly representatives, ready to discuss your insurance requirements, or simply visit www.c-store-insurance.co.uk.
class="bold">Typical benefits of the scheme*
Free claims phone line available
24 hours a day
? Confidential legal and tax help
? Risk advice helpline (including health & safety and fire security advice)
? Legal protection website, advising what to do when you have legal problems
? Online employment manual - helping you with personnel management
? Dedicated sales and customer support phone line
? Experienced staff who understand the needs of the business owner
? Instant quotations
? Instant cover
? No forms to fill in
? Payment by debit/credit card or via monthly instalments
? Flexibility of cover - you only pay for the cover you need
* Actual benefits will depend on the insurer providing the cover
Standard policy cover includes...
? Contents insurance - cover for your stock and other contents against loss or damage
? Glass cover - in the event of breakage of internal or external glass
? Property in transit - cover for accidental loss or damage to property while in transit
? Money - protection against loss of money belonging to your business
? Business interruption - reduced income and increased costs as a result of an insurable loss
? Book debts - cover for the loss of tracing and establishing money owed to the business following loss or damage to books or records
? Employer's liability - legal liability cover for death or bodily injury to employees while working for you
? Public and products liability - protection for your legal liability to third parties should you injure them or damage their property