Shop insurance in Cambridge
Cambridge retail runs from the Grand Arcade and the market square to the specialist and independent shops of a compact, historic and affluent centre. Shop insurance for a Cambridge retailer turns on stock, theft and footfall.
Where the risks come from for Cambridge shops
City-centre and market units carry footfall, glass and theft exposure, and specialist shops holding distinctive or high-value stock draw burglary risk out of hours. Old buildings share fire and escape-of-water risk. Tourist and term-time peaks raise footfall and takings, adding money exposure.
A Cambridge example
A specialist Cambridge shop is broken into overnight and distinctive, high-value stock is taken. Shop insurance meets the stock loss and the damage to the premises, and business interruption covers the trading lost while the shop restocks — the burglary exposure a specialist retailer carries after hours.
What shop insurance covers
A retail policy covers stock and contents against fire, theft and accidental damage; business interruption for lost income; public and products liability for customer injury; employers' liability for staff as the law requires; and usually money and glass. Buildings cover applies where the premises are yours to insure.
Placing it in Cambridge with Apex
Apex holds FCA authorisation (firm reference 724952), has broked since 2009, and reaches 30-plus markets including Lloyd's by wholesale. A Cambridge specialist retailer gets a named broker who sets the stock sum insured and security terms to distinctive stock, not a packaged scheme.
Related
- Public liability insurance Cambridge
- Employers liability insurance Cambridge
- Commercial vehicle insurance Cambridge
- Business insurance Cambridge
Get the right commercial cover, placed by a named broker
Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.