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