Most insurers offer a package policy with standard limits applicable under the various sections of thepolicy. However most insurers will increase the standard limits if required for an additional premium although they do not offer a saving if you require cover below the standard limits. These limits will vary between insurers.

There are also optional* extensions available EG Legal Expenses although some insurers will include some if not all the extensions as part of their package

The standard sections available usually are:
 

• Trade Contents Including Tenants Improvements, Fixtures Fittings Electrical & Stock

• Optional Buildings cover including the interest of the Landlord if required

• Money

• Goods In Transit covering your own goods in own vehicles

• Deterioration of Stock relating to frozen or chilled stock

• Glass & Signs

• Employers & Public Liability

• Products Liability  (Where the premises are cooking and servng food)

• Extensions available include

• Loss of Licence in respect of the sale of liquor

• Legal Expenses

• Computer Breakdown

• Fidelity( Theft by Employees )

• Terrorism All UK Policies exclude terrorism but this can be purchased separately