This package provides competitive quality cover for most shop, restaurant and pub risks.

Standard Cover includes:

• Property - Accidental damage or specified perils including an automatic 25% seasonal increase on Stock for November, December and 30 days preceding Easter; Theft; Non-process Machinery and Computer Equipment Breakdown Glass; External Signs; Money and Malicious Attack.
• Business Interruption, on a Gross Profit basis sum insured £500,000 over 24 months unless increased, and including automatic extensions for Public Utilities (fire & perils), Suppliers & Customers extensions (10% limit subject to a maximum of £25,000), Prevention of Access, and Book Debts (limit £25,000 any one loss).
• Employers' Liability £10m Limit of Indemnity
• Public and Products' Liability £2m Limit of Indemnity, with extensions to the Public Liability Section including Leased and Rented Properties, Indemnity to Principal, HASWA, Wrongful Arrest limit £1,000 per event aggregate limit £10,000, and Defective Premises Act.
• Legal Expenses limit

Optional cover also available:

• Frozen food
• Loss of Licence
• Liability for work away
• Fidelity Guarantee
• Hairdressers' treatment risk
• Other specified treatment risk
• Goods in transit
• Subsidence
• Personal accident 
• Pool Re Terrorism 

24 hour claims reporting, Legal Assistance & Tax, VAT and Business Call help lines are automatically included.

This is the standard Ageas cover with effect from March 2012.  We also underwrite a variety of schemes, if you have a policy underwritten by Ageas you should check your policy document for full cover details.