Retailers Combined
Offers a broad and flexible range of specialist sections specifically developed for the retailing sector. Designed to cater for both large and single site locations and/or multi-chain address clients.
Why choose NIG for Retailers Combined?
- Single policy customised to your clients’ needs.
- Instant documentation.
- Statement of Fact basis – no need for proposal form.
- Regional expertise – talk to empowered decision makers in your local trading office.
- Dedicated Claims Account Managers and efficient claims service.
- In-house Risk Control Team and risk management advice.
- A-rated insurer (A2 Moody’s).
What's covered
This is a summary of the cover available. Please refer to your policy wording for full terms and conditions.
Higher limits available upon request.
| Cover | Standard limits |
|---|---|
| Material damage | |
| Leakage of Beverages | Included |
| Stock at Third Party Storage Sites | £50,000 in UK / £25,000 in European Economic Areas (EEA) |
| Seasonal Increase of Stock | 25% of the stock sum insured or up to £500,000 |
| Loss Minimisation and Prevention Expenditure | £25,000 for any one loss |
| Business interruption | |
| Business Interruption extension for Motor Vehicles | Sum insured |
| Loss of Attraction | £50,000 |
| Unspecified Customers and Unspecified Suppliers extension | £100,000 in UK / £50,000 in EEA |
| Liability | |
| Financial Loss | £250,000 |
| Libel or Slander | £100,000 |
| Corporate Manslaughter | £1,000,000 |
| Other section details | |
| Legal Expenses | £150,000 |
| Terrorism | Available |
| Computer and Cyber | Available |
Sections available
- Material Damage
- Business Interruption
- Goods in Transit
- Terrorism
- Loss of Business Money and Personal Accident (Assault)
- Employers’ Liability
- Public Liability
- Products Liability
- Glass Breakage
- Specified All Risks
- Deterioration of Stock
- Engineering Damage to Machinery and Plant
- Engineering Inspection
- Engineering Business Interruption
- Computer and Cyber
- Loss of Licence
- Fidelity Guarantee
- Legal Expenses
- Personal Accident
Documents
The following policy documents apply to policies incepted on or after 2 September 2024 or renewal dates on or after 2 September 2024.
