Business Equipement
This section of the policy is on a Reinstatement Basis and the sum insured should reflect the current replacement cost of all items and components.

Stock items (kept within the property)
These sums insured should represent your peak stock holding during the period of insurance. Your should also take into consideration busy periods to account for fluctuations.

Liability covers
Public Liability cover options are £1,000,000, £2,000,000 or £5,000,000. This level can be increased to suit your requirements, please advise us if you should require a quotation for higher limits of indemnity provided (including reference to terrorism cover). It is worth consideration that different clients/customers of yours could require different limits of indemnity. Contact 0845 313 9871 or 0161 236 3141

Terrorism exclusion
Please note that Terrorism cover is not provided as standard under the Material Damage and Revenue Protection sections (where insured) of commercial insurance policies. Cover under the Liability section (where insured) for acts of Terrorism is also restricted.

Please therefore contact us should a quotation be required for Terrorism cover on 0845 313 9871 or 0161 236 3141.

Underinsurance
As with all commercial Insurance Policies, this policy is subject to “Average” (the under-insurance penalty clause). Please therefore ensure that all sums insured are adequate and that you review them regularly. If sums insured are inadequate insurers may apply an underinsurance penalty and any claim payment would therefore be reduced.