Shop insurance in Tewkesbury

Tewkesbury is a medieval Gloucestershire market town at the confluence of the Severn and the Avon, its retail along the historic Church Street, High Street and Barton Street, serving the town and a wide rural catchment.

Where the risks come from for Tewkesbury shops

Few English towns are as defined by flood as Tewkesbury — sitting where the Severn meets the Avon, it has flooded severely, and units near the rivers carry an exposure that is a matter of when, not if. The medieval buildings add fire and pipework quirks over that.

A Tewkesbury example

A Church Street unit took deep water when the Severn and Avon rose together after prolonged rain; ground-floor stock and fittings were destroyed, and the shop was out of action for months of drying and specialist reinstatement. Flood and a long business interruption were the claim.

What shop insurance covers

For a Tewkesbury shop, flood cover and a business-interruption period long enough for a serious event are the parts the policy must get right, around the stock and contents at its core. Public and products liability are included, employers' liability attaches with staff, and money, glass and building cover attach under the lease.

Placing it in Tewkesbury with Apex

Broking since 2009 and FCA-authorised under 724952, Apex insures Tewkesbury shops through one named broker. With more than 30 markets and Lloyd's via wholesale channels, even a two-rivers confluence risk can be presented to insurers who will still consider terms.

Related

• Public liability insurance Tewkesbury
• Employers liability insurance Tewkesbury
• Commercial vehicle insurance Tewkesbury
• Business insurance Tewkesbury