Packages
Smarter cover. Simpler trading. One proposition — tailored to two core sectors.
Our Packages proposition brings together two ready-made solutions designed for retail based (including salons), office based and surgery based business that keep our high streets and professional sectors running.
Whether your client is retailing flowers or providing consulting for professional clients, our Packaged products deliver flexible, robust protection — all wrapped up in an easy-to-place format under a Packaged offering with a broad range of standard covers and valuable optional extras.
Retail & Salons — designed for small businesses and independent retailers covering a range of retail & salon based trades and sectors.
Offices & Surgeries – designed for professional clerical, consultancy based businesses as well as surgery based business and practices.
With 24/7 claims support and a range of core covers provided as standard, our Packaged products helps you place dependable, competitive cover quickly — with the flexibility to meet real-world needs.
All the essential protection. None of the complexity. Built for brokers. Backed by Covéa.
.jpg)
Key Features
Automatic Worldwide Cover (Specified All Risks)
Under our Property Damage Section cover is provided as standard for Specified All Risks and Personal Effects whilst temporarily removed from the business premises – ideal for professionals working between locations or client sites worldwide.
Exhibitions Cover
Whether your clients are showcasing at conferences, trade shows or community events, their business equipment and promotional materials are covered while on display.
Deterioration of Stock
Up to £10,000 of cover provided as standard for deterioration or purification of refrigerated stock including drugs, medicines & vaccines as standard with a 50% increase for seasonal trading periods not exceeding 90 days.
Legal Expenses Cover (optional)
Up to £100,000 in legal expenses cover designed for business needs including (but not limited to) employment disputes, health & safety appeals, contract disputes, property disputes.
Offices &
Surgeries
A specialist package for professional spaces — clear, comprehensive cover your clients can count on.
Our Offices and Surgeries policy is purpose-built to protect working environments where professionalism and continuity matter most. Whether your client runs a law firm, accountant’s office, GP surgery or dental practice, this all-risks product wraps up property, liability, business interruption, and money cover in one neat solution — with optional extensions including terrorism, legal expenses, and buildings insurance.
It’s everything your clients need, backed by expert claims support and an understanding of the risks modern professional businesses face.
An example of our appetite
Estate & Letting Agents
Solicitors
Accountants
Architects
Optometrists
Dentists
Doctors
Key Features
Hair & Beauty Treatment Risks (Liability Extension)
Covers businesses up to £500,000 in legal liabilities for a wide range of hairdressing and beauty treatments performed by qualified operators.
Unspecified Storage Sites
Stock and contents are protected even when stored off-site up to £5,000 as standard within the territorial limits – whether in temporary units, partner premises, or during relocation.
Legal Expenses Cover (optional)
Up to £100,000 in legal expenses cover designed for business needs including (but not limited to) employment disputes, health & safety appeals, contract disputes, property disputes.
Seasonal Stock Uplift
Automatic 25% increase in stock sum insured during peak trading periods (e.g. Christmas, Easter) — giving clients extra flexibility and peace of mind when it matters most.
.jpg)
Retail &
Salons
Straightforward cover for local businesses — with the strength of a full package behind it.
Our Retail and Salons policy is a comprehensive, all-in-one solution designed with high street shops and salons in mind. With a single policy, you can offer your clients a broad safety net: covering everything from property damage for stock & contents, business interruption, money & assault cover, Employers Liability and Public & Products liability.
Optional covers such as Buildings and Subsidence cover under property damage, Treatment Risks for Hair & Beauty, Legal Expenses, loss of licence, Terrorism are also available to allow further tailoring to suit specific risks.
It’s backed by expert claims support and a range of built-in extensions — helping you provide the clarity and confidence your clients need to keep trading, even when things go wrong.
Designed to be easy to place. Built to stand up under pressure.
An example of our appetite
Clothing Retailers
Hairdressers & Barbers
Florists
Gifts & Souvenirs
Furniture retail
Carpet Retailers
Tea Rooms