​​​Property & Contents 

Covers your building (if owned), fit-out, shelving, refrigeration units, stock, and general contents against risks such as fire, storm, and accidental damage.​​​

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Business Interruption

Provides protection for loss of income and increased costs of operating if your business is interrupted following an insured event such as fire or major equipment failure.​​​

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Theft & Money

Covers loss of stock or contents through theft, as well as money held on premises, in transit, or in safes, subject to policy limits and conditions.​​​

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Glass

Covers internal and external glass including shopfront glass, refrigeration cabinet glass, and display units.​​​

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Equipment Breakdown

Covers sudden and unforeseen mechanical or electrical breakdown of essential equipment including refrigeration systems, compressors, and specialised machinery.​​​

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Refrigerated Stock

Covers loss or spoilage of refrigerated and frozen stock due to breakdown of refrigeration equipment, power failure, or temperature fluctuation.​​​​

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Electronic Equipment

Covers electronic equipment such as POS systems, computers, scales, and back-office technology against breakdown, damage, or theft.​​

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Public & Products Liability

Provides protection if your business is held liable for personal injury or property damage to third parties arising from your operations or products sold.​​​

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Workers’ Compensation

Mandatory cover that protects your employees in the event of work-related injury or illness and provides support for wages, medical costs, and rehabilitation.​​​​​

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Goods in Transit

Covers stock or goods while being transported to or from your premises, including accidental damage or loss during transit.​​

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