Hardware Shop Insurance

Hardware Shop Insurance

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Hardware shop insurance is vital to the success of your business. While you work hard everyday to grow your business, it’s the unknown events which can throw a spanner in the works. When that happens, you’ll be glad to have a good insurance provider on your side. 

Brisco Business Insurance are specialists in comparing insurance quotes for businesses of all kinds. Whether you want to protect the fabric of your shop from damage, insure against loss of stock or compensation claims we can help you find a hardware store insurance quote which fits your budget and meets your needs.

Compare quotes for hardware shop insurance along with many other types of Shop Insurance with Brisco Business now and find a policy with covers to meet your needs, including business interruption insurance, employers’ liability insurance and more..

Brisco offers a simpler way to shop for insurance compared to Hardware Shop Insurance brokers. Our streamlined platform allows you to effortlessly compare quotes from leading insurers, ensuring you find the ideal coverage at competitive rates. Save time, money, and hassle while using our platform to secure the right insurance for your specific needs.

We partner with some of the UK’s most trusted hardware shop providers, so that you can compare insurance quotes and choose the options that suit you best.

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How do I know how much cover I need for Hardware Shop insurance?

It’s all about understanding the value of property insured, including the value of the business premises, and the risks you’re likely to face. For example, how much would it cost to rebuild your property from scratch and how much would it cost to replace all the contents of your shop? This will let you know how much cover you need, while a risk assessment will tell you what accidents are most likely to happen.

Your hardware store insurance policy may include factors like public liabiliy insurance, employer’s liability and insurance and other essential small business insurance in the UK.

What should I do if I need to make a claim?

Act quickly. Gather up as much information as you can and get in touch with your insurer. The more information you have, the quicker they can process your claim and give you the help you need.

I rent rather than own my Hardware Shop. Do I need insurance?

Not for buildings. This should be covered by the people who own it. You will be responsible for everything you own, such as equipment and contents, plus those things you are responsible for, such as the health and safety of your employees. For example, you’ll still require general liability insurance, workers’ compensation insurance and business interruption insurance policies for hardware stores.

Do I Need To Include Employers’ Liability Insurance As Part Of My Hardware Store Insurance?

Your hardware store insurance policy should include a complete range of insurance policies to protect youself, your business, your employees and your customers. This should include policies like public liability insurance and professional indemnity insurance. Any hardware shop insurance policy should be comprehensive enough to cover your legal expenses, lost income and business interruption costs. In terms of your retail premises themselves, you might not require commercial vehicles’ insurance, but it’s worth considering as a separate policy to your main hardware business insurance policy.

What Insurance do I Need for my Shop?

There are a few different types of insurance that you should consider for your hardware shop:

  • Product liability insurance covers against claims that may arise from injuries or damages caused by a product you sell.
  • Property insurance: covers damage to your store or the contents of your store e.g.,inventory and equipment.
  • Business interruption insurance covers lost income and expenses if your store is forced to close due to damage from a covered incident.

Is Public Liability Insurance Expensive?

The cost of public liability insurance will depend on a number of factors, including the size and scope of your business, the products you sell, and the amount of coverage you need. However, in general, public liability insurance is not expensive and can provide vital protection for your business.

What is the Difference Between Personal and Public Liability Insurance?

Personal liability insurance covers you for injuries or damage that you may cause to others, whereas public liability insurance covers you for injuries or damage that your business may cause to others.

For example, if a customer slips and falls in your store and sues you, personal liability insurance would not cover the costs of the lawsuit. However, public liability insurance would cover the costs of the lawsuit, up to the limit of your policy.

What are the Possible Consequences of not Being Insured?

If you are not insured and someone is injured in your store or by one of your products, you could be held liable for the costs of their medical treatment, lost wages, and other damages. These costs could quickly become very expensive, and if you cannot pay them, you could be forced into bankruptcy.

What Insurances are a Legal Requirement?

Employer’s liability insurance is the only kind of business insurance that must be purchased (under the Compulsory Insurance Act 1969).

Fines for not having employer’s liability insurance can be as high as £2,500 per day. In addition, if an employee is injured and you do not have insurance, they may sue you personally for damages.

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