Shop insurance in Exeter
Exeter retail centres on the Princesshay centre and the high street in the commercial capital of the south-west, drawing a wide regional and tourist footfall. Shop insurance for an Exeter retailer turns on stock, footfall and public liability.
Where the risks come from for Exeter shops
City-centre and Princesshay units carry heavy footfall, glass and theft exposure, sharpened by regional and tourist visitors. A busy shop floor raises the chance of a customer injury from spillages or displays. Old buildings share fire and water risk, and takings add money exposure.
An Exeter example
A shopper loses their footing on a rain-slicked entrance mat in a busy Exeter store and is hurt in the fall, then brings a claim. The public-liability cover inside the shop policy meets the compensation and the cost of defending it — the everyday exposure of inviting the public through the door in wet weather and at pace.
What shop insurance covers
A retail policy brings stock and contents (fire, theft, accidental damage) together with business interruption for lost income, public and products liability for injury to customers, employers' liability for staff as the law requires, and usually money and glass. Buildings cover is added where the premises are yours to insure.
Placing it in Exeter with Apex
Apex, authorised by the FCA (firm reference 724952) and broking since 2009, reaches more than 30 markets and Lloyd's by wholesale. An Exeter retailer with heavy footfall gets a named broker who takes the liability exposure of a busy floor seriously, not a flat scheme.
Related
- Public liability insurance Exeter
- Employers liability insurance Exeter
- Commercial vehicle insurance Exeter
- Business insurance Exeter
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.