Commercial Combined Incl. Retail Shop Insurance

We will work directly with you to evaluate your specific needs and then build a policy that provides the right combination of cover and price. You will come away with a single policy with one renewal date.

Every business is different, which is why wherever possible, our commercial combined  insurance policies are designed around you. We look at your situation and find an insurance package that covers the individual risks your business will face, which means you only pay for the cover you need which can help save you money. As your business grows, we’ll adapt the policy to suit you.

We can offer a range of covers, including:

  • Employers Liability
  • Public Liability
  • Buildings and Contents
  • Plant, Machinery and Stock
  • Business Interruption
  • Money
  • Good in Transit
  • Computer
  • Fidelity Guarantee
  • Personal Accident
  • Legal Expenses
  • Directors and Officers
 Retail Shop Insurance:

We have access to various Retail Products, enabling us to offer competitively priced cover that can be designed with your business in mind.

Buildings

We can include cover for the buildings, outbuildings, walls, gates, fences, and landlord’s fixtures and fittings, tanks, drains, pipes and cables servicing the buildings.

Covers automatically include:

  • Trace and Access in respect of Water/Oil Leakage
  • Damage by Emergency Service Vehicles
  • Landscaping Damage
  • Rent Payable
  • Replacement of Locks
Trade Contents

Including fixture and fittings, machinery and all other contents including shop/office front, external signs, business books, stock in trade, telephone installation, gas or electricity meter etc

Additional Cover (Trade Contents Only)

  • Trade fixtures and fittings temporarily removed from the premises up to a limit of 15% of Sum Insured
  • Accidental damage of fixed glass
  • Seasonal Increase of 25% to the Sum Insured at Christmas and Easter
  • Loss or damage to Money includingMalicious attack up to an agreed amount
  • Employers Liability up to €13,000,000
  • Public and Products Liability up to €6,500,000 or higher on request
  • Tenants Liability up to 15% of Sums Insured of Trade Contents
  • Business Interruption – This covers you against loss of income and/or extra expenses incurred as a result of interruption or interference to your Business caused by damage to Buildings or Contents

Additional Optional Covers depending on the type of business

Frozen Foods

Loss or Damage of frozen food following an accidental failure of the power supply or breakdown of the appliance.

Goods in Transit

Covers goods in transit during collection and delivery

Personal Accident

This section covers you and your employees against accidental bodily injury up to and agreed amount for any one injury.

This package is tailored to meet the growing needs of shop-owners. To ensure flexibility, the cover can be adjusted at anytime to meet your specific business requirements.

If you would like a quotation or wish to discuss further, please contact Declan Andrews on 01 632 1312 or email declan.andrews@mcgivernflynn.com