We cover everything from grocers and florists to barber’s shops and ice cream parlours. And our claims line is open 24-hours a day so that’s one less thing to worry about.
Key benefits
- Protects your business: up to £2 million in public liability insurance
- Required by law: get up to £10 million in employers’ liability insurance
- Protection for the products your business sell: up to £2 million in product liability insurance
Post Office® Business Insurance is administered by Gallagher Heath Insurance Services, which is a trading name of Heath Lambert Ltd.
How it works
Public liability insurance will protect your business if a member of the public suffers accidental injury or damage to their property because of your business. It’s included as standard in our policy.
Employers' liability insurance protects your business if a member of staff becomes ill or gets injured as a result of an accident at work and your business was at fault. We offer up to £10 million cover in employers' liability as standard.
Product liability insurance will protect your business if a member of the public suffers accidental injury or damage to their property as a result of a product you’ve supplied. We offer up to £2 million for any one insurance period as standard.
Also included in this policy
- Up to £1,000,000 for non-production machinery breakdown at the premises
- Up to £2,500 in property cover for exhibitions plus up to £1,000 cover if your keys are stolen
- Up to £500,000 loss of gross profitThis includes loss as a direct effect of a property loss at one of your customers or suppliers and loss due to property lost on its journey to or from the business premises. for up to 24 months including, denial of access to property, food poisoning and much more
- Up to £2,500 for goods in transit
- Up to £100,000 for legal expenses
Please see Shopkeepers Keyfacts summary and Business Legal Guard Keyfacts summary for further information. Terms, conditions, limitations and exclusions apply.
Making a claim
Our claims line is open 24 hours a day so we're there whenever you need us. Excesses apply.
Definitions
Gross Profit: This includes loss as a direct effect of a property loss at one of your customers or suppliers and loss due to property lost on its journey to or from the business premises.
0800: Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes.
0845: Local call rates apply. Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes.
