Shop insurance in Perth
Perth, the 'Fair City' on the River Tay, has its retail in the St John's Centre and the streets of the old town, serving a wide Perthshire and Highland-edge catchment. The Tay is one of Britain's great rivers, and it dominates the town.
Where the risks come from for Perth shops
The Tay gives Perth one of the more serious river-flood exposures in Scotland — the city has flooded badly in the past, and low-lying units carry a real risk a wet season or upstream snowmelt can realise. Over that sit the ordinary retail exposures of shrinkage, winter bursts and seasonal stock swings.
A Perth example
A unit near the river took water when the Tay rose after prolonged rain and hill snowmelt; floor-level stock was lost and the shop closed for a long stretch of drying and reinstatement. Flood and the interruption behind it were the whole of the claim.
What shop insurance covers
At the centre of a Perth shop policy sit stock and contents, with flood cover and business interruption alongside — the flood terms being what to get right by the Tay. Cover for public injury and for what you sell is standard, employers' liability starts with your first member of staff, and money, glass and buildings cover attach as the lease requires.
Placing it in Perth with Apex
Apex arranges Perth shop cover as an independent commercial broker, FCA authorised (FRN 724952) and broking since 2009. Access to more than 30 markets including Lloyd's through wholesale relationships means a serious Tay-side flood risk can be put to insurers who will offer terms rather than decline.
Related
- Public liability insurance Perth
- Employers liability insurance Perth
- Commercial vehicle insurance Perth
- Business insurance Perth
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.