Commercial Clients

Retail &
Office Insurance

Running a small or medium sized business brings enough concerns. Your business insurance protection should not be one of them.  Cox Mahon can guide you through the complexities of the various risk exposures your business faces, and then provide you with a comprehensive, yet competitively priced, insurance solution whether you own and run a retail sales shop or operate your professional services company from rented office premises.

A wide range of incidents can affect or interrupt your business operations – it could be vandalism or a break-in, adverse weather, an employee having a fall, or a customer injuring themselves through one of your products. 

We will work with you to insure these exposures by providing a full and inclusive retail or office “package” insurance policy.

Areas for consideration are:

  • Buildings – only necessary if you own the property
  • Tenants’ Improvements – often required for internal fixtures & fittings you have installed (kitchen, internal partitions, etc)
  • Contents – for a shop, your Stock and Fixtures & Fittings; for an Office, your desks, chairs, computers, printers, cabinets, etc. All to be insured for a replacement value and take into account any seasonal fluctuations.
  • Business Interruption – loss of income following a loss and an interruption to your trading activities
  • Money – cash or negotiable instruments on premises, in transit or in a safe
  • Goods in Transit – supply or delivery of stock to customers
  • Employer’s Liability – a legal requirement for any business with staff, covering your legal liability for accidents arising through their employment
  • Public / Products Liability – covering your legal liability for injury or accident arising from your business activities, including products sold or supplied
  • All Risks – for portable equipment taken away from your business premises (laptops, mobile phones, etc)
  • Legal – Legal expenses cover helps with fees if you are faced with taking legal action against a third party, or for defending an action against your business