Business, Office and Retail

What does our Business, Office and Retail insurance cover?

The focus of this product is on ethical SME businesses including social enterprises and community organisations, offices and high street shops and retailers.

Risks outside the online eligibility can be considered by contacting one of our underwriters.

Typically, our appetite includes:

  Businesses:  Offices:  Retailers:
  Most offices, such as:  Most high street shops and   retailers, such as:
  • adult education
  • cafes' restaurants, catering, sandwich and snack bars (but not takeaway only or any delivery by moped, motorbike or bicycle)
  • consultants and trainers
  • coffee shops and tea rooms
  • dance, drama, and music schools
  • dog grooming and dog training
  • nutritionists
  • speech and language therapists

  • accountants
  • administration and advice
  • architects
  • bookkeepers
  • insurance brokers
  • management consultants
  • marketing
  • solicitors
  • book sellers
  • butchers
  • cards and gifts
  • clothes, fashion or fancy dress
  • estate agents
  • florists
  • grocers
  • hobbies, crafts, models or toys
  • newsagents
  • stationers

Normally outside of appetite

  Businesses:  Offices:  Retailers:
  • activity and adventure centres
  • allied trades and construction
  • camping sites and park homes
  • conference and event centres
  • couriers and hauliers
  • hotels and guest houses
  • housing associations
  • industrial, manufacturing or large-scale warehouse, wholesale or distribution 
  • leisure centres
  • pubs, clubs and casinos
  • recycling on a large scale or for scrap value
  • schools, colleges and universities
  • call centres
  • property management
  • serviced offices (where the office is for administration of wider business activities and income is not derived from the office activities directly)
  • surgeries and clinics
  • antiques 
  • beauticians, hairdressers, and barbers
  • jewellers 
  • mobile phones
  • out of town retail units
  • post offices
  • stamp or coin collections

Product benefits include

  • Liability covers with optional Hirers’ liability
  • Equipment breakdown as standard (if property damage selected)
  • Business interruption includes loss of premises licence or club premises certificate 
  • Further covers available for: 
    • All Risks, 
    • Cyber, 
    • Fidelity Guarantee, 
    • Goods in Transit, 
    • Legal expenses, 
    • Money, 
    • Motor Policy Compensation, 
    • Personal Accident, 
    • Property Damage, and 
    • Terrorism 

How does Ansvar help to protect your business?

  • Comprehensive buildings valuations at no extra cost with condition of average waiver, if valuation accepted (subject to underwriting criteria)
  • Access to Ecclesiastical services for:
    • specialist advice risk management,
    • our Preferred Supplier Network, and
    • Enterprise Risk Management (ERM): we can talk to your larger clients about identifying and managing strategic risks, as well as helping them build on their existing processes, with a view to embedding ERM into their organisation