Kitchen Showroom Insurance

Kitchen Showroom Insurance

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Running a kitchen showroom means you create beautiful spaces, guide customers through their dream designs, and ensure everything runs smoothly. But even the most meticulous plans can’t account for every bump in the road. That’s where business insurance from Brisco Business comes in.

A customer might trip in your showroom and injure themself. Or, a fire can damage valuable stock of appliances. These unforeseen events can be stressful and costly. However, with comprehensive showroom Shop Insurance, you’ll have the protection you need to get back on track quickly.

Tailored Business Insurance for Kitchen Showroom Owners

We understand that kitchen and bathroom showroom owners have specific needs, so we cater to a wide range of insurance needs, including property damage, public liability, professional indemnity, and legal expenses insurance.

We don’t just offer generic shop insurance; we work with some of the UK’s most trusted kitchen showroom insurance providers. This allows you to compare quotations and find a policy tailored to your specific needs, whether you’re a small independent company or a larger chain.

Why Choose Brisco Business?

We offer these great benefits:

  • Expert guidance from experienced insurance professionals
  • Access to a wide range of leading insurers and policies
  • Highly competitive pricing

Get Your Quote Today

We’re passionate about helping businesses like yours thrive, and having the right insurance in place is a crucial step. Don’t wait until something unexpected happens—secure your peace of mind with Brisco Business by getting a quote today.

Brisco offers an innovative way to shop for insurance compared to Kitchen Showroom Insurance brokers. Our advanced platform simplifies the comparison of quotes from top insurers, saving you valuable time and effort. Make informed decisions without the bias often present with brokers, and secure the best coverage for your business with ease.

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

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Is kitchen showroom insurance essential, or is regular shop insurance enough?

While regular shop insurance covers some basic risks like stock and buildings insurance, it doesn’t address the specific needs of kitchen and bathroom fitters. Kitchen showroom insurance offers comprehensive insurance solutions specifically tailored to your business activities. It includes vital coverages like:

  • Public liability insurance with higher limits to account for potential customer injuries in your showroom setting
  • Product liability insurance protects you from financial losses if a faulty appliance sold from your store causes damage
  • Increased cover for high-value display kitchens and their unique fixtures and fittings

For these reasons, opting for dedicated kitchen showroom insurance is essential for complete peace of mind.

How do I calculate the amount of insurance cover I need?

There is always a temptation to economise and go for the cheaper option. However, these can often leave you underinsured. The best approach is to calculate the total rebuild cost of your structures and the value of everything you need to insure. 

Next, think about all the risks you wish to protect yourself against. This will give you a clear indication of the extent of cover you need.

What is employers’ liability cover for kitchen showroom businesses?

Employers’ liability insurance is mandatory by law for any business that has employees, including kitchen showrooms. This insurance protects your business from financial losses if an employee gets injured or becomes ill as a result of their work in your showroom. For example, an employee installing a new appliance trips and falls, injuring themselves. Employers’ liability insurance would cover any legal costs or compensation you might be liable for in this scenario.

Keep in mind that the minimum required employer liability coverage in the UK is £5 million. Our helpful team at Brisco will ensure your policy meets all legal requirements.

My showroom is in a rented space. Does kitchen showroom insurance still apply?

Kitchen and bathroom showroom insurance typically covers your business contents and activities, regardless of whether you own or rent the building. While your policy won’t cover the building itself (which is the landlord’s responsibility), it will protect your valuable stock, display kitchens, and any improvements you’ve made to the space.

I’ve suffered a break-in. Am I covered?

You should be able to claim for theft, but this should be clearly stated in the insurance policy. It’s advisable to insure against theft from outside sources and theft from your staff. 

What happens if I need to make a claim on my kitchen showroom insurance?

In the event of a loss or damage, you’ll need to contact your insurer as soon as possible to initiate the claims procedure. You’ll be required to inform them about the incident and the type of claim you wish to make, providing a detailed report along with any relevant photos or documentation. Your insurer will then assess the claim, potentially sending an adjuster to evaluate the damage. Once the claim is approved, you’ll receive a payout based on your policy terms and conditions.

We understand that dealing with claims can be stressful, so we’re here to guide you through the process, ensuring an efficient resolution.

Can I customise my kitchen showroom insurance policy?

Yes, in most cases, you can customise your policy to fit your specific needs. Many insurance providers offer a range of optional add-ons that you can choose from, such as:

  • Personal accident and illness cover: This provides financial support if you, the shop owner, are unable to work due to an accident or illness.
  • Legal expenses cover: This can help cover legal costs incurred in the event of a dispute with a supplier, customer, or landlord.
  • Increased cover for specific items: You might want to increase the cover amount for valuable display kitchens or specific high-end appliances in your showroom.

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