Shopfitters Insurance - Darwin Clayton
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Shopfitters insurance

tailored to your business needs

Get shopfitters insurance designed around your shopfitting and interior fit-out business from the specialists at Darwin Clayton.  As the National Association of Shopfitters (NAS) preferred insurance broker, we’re the team you can trust. To get some advice or a shopfitters insurance quote, call us on 01892 511 144 or follow the links below.

Why get shopfitters insurance through Darwin Clayton?

Darwin Clayton has been the National Association of Shopfitters preferred insurance broker for over 50 years. We arrange comprehensive, exclusive cover with some of the UK’s leading insurers, and you can rest assured that our policies have been designed with your industry in mind. By taking out your shopfitting and interior fit-out insurance with us, you will also benefit from:

As you can see from the following client testimonial, your business insurance is in excellent hands with Darwin Clayton

“Barbour Fit Out have worked with Darwin Clayton UK over several decades. Their attention to detail, and comprehensive advice, are coupled with their knowledge of the insurance market to give us the confidence that we have the right cover at the right price for our business.”
Norman Barbour | Managing Director
J B Barbour & Company Limited

What is shopfitters insurance?

Shopfitters and interior fit-out insurance offers financial protection against any losses your business incurs through its day-to-day operations. The exact level of protection you need will be dependent on things like the services your business provides and whether you have any employees.  However, standard covers include:

What does shopfitters and interior fit-out insurance cover?

Shopfitters insurance through Darwin Clayton is a flexible policy that we can tailor to your interior fit-out business’s needs.  Core policy elements include:

Public liability covers your business if you or your employees are held liable for accidental injury to your clients, customers, or the public or for damage to their property because of your business’s activities. 

If the products you supply to customers cause damage or injury, you could be held liable in the event of the claim. 

As an employer, you are responsible for the health and safety of your employees whilst at work. Employers’ liability insurance (EL insurance as it’s also known) of £5m is a legal requirement if you have any staff. Businesses that hire people without having this insurance cover can face fines of up to £2,500 for each day they are uninsured. If your employee is injured or becomes ill because of the work they do for you and they bring a claim for compensation against your business, you will be protected.

This cover provides protection against loss of money, stock or property sustained from the dishonest or fraudulent act of an employee. 

Financial loss insurance covers your business against losses which you become legally liable to pay as compensation, plus costs and expenses for accidental financial loss where no damage has occurred.

Are there any optional covers for shopfitters insurance?

Depending on the nature of your work, you may need additional covers added to your shopfitters insurance quote. Common options for these include:

This provides cover for the following: 

  • Contract works insurance – this covers the value of the work being carried out prior to completion of the contract.  It insures the works against accidental loss, damage, or destruction.
  • Own plant insurance – covers damage to plant and tools that you own whilst at the contract site, in transit or at your premises. 
  • Hired in plant insurance – this covers damage to plant hired in by you whilst at the contract site, in transit or at your premises.
  • Tools insurance – this covers physical loss or damage to tools belonging to employees, principals, partners, or directors within territorial limits.

This cover will protect your business from losses and damages resulting from acts of terrorism.

As with any insurance policy there are terms and exclusions, we will discuss this with you during the quotation process.

Does Darwin Clayton offer any additional policies to protect your business?

Depending on the needs of your business we can help you with a range of additional insurance requirements:

If you offer any design, consultancy or advisory services, then professional indemnity – or PI insurance – is important for protecting your business.  Professional indemnity insurance protects you against claims for loss or damage made by clients or third parties over negligent advice you have offered.  This cover is often a contractual requirement with your customers, even when you do not provide any consultancy or advice.  

Cyber-attacks are on the rise in the UK, with the 2023 Cyber security breaches survey conducted on behalf of the UK Government stating 59% of medium sized organisations reported a cyber security breach or attached in the previous 12 months. A cyber insurance quote makes a lot of sense, as it offers protection against key risks including:

o   Financial crime and fraud – when cybercriminals use the internet to steal funds, impersonate your business or deceive employees into transferring money or goods.  

o   Extortion – if a hacker holds your systems or data to ransom or threatens to publish information, this can cover the ransom you may have to pay and the services of a leading risk consultancy firm to help manage the situation.

Also known as directors & officers or D&O insurance. This covers the cost of any compensation claims made against your directors, officers, or high-ranking management for alleged wrongful acts. Claims could be made by disgruntled employees, clients, investors, stakeholders, and even regulators and could involve civil, criminal, or regulatory proceedings. A management liability policy can also cover any legal costs that arise for directors in defending their case.

This insurance cover includes three core elements: 

  • A separate cover for your computer equipment
  • Contractor’s plant covers your machinery such as a cherry picker or MEWP
  • As your equipment should be inspected regularly, this policy covers you for statutory inspection service

This cover offers you a loss adjuster to work on your behalf to investigate and present your property and business interruption claim to the insurer. This cover can be invaluable if your business suffers a serious loss following a flood or fire. 

With businesses facing multiple risks, seeking legal advice and formulating legal documents, such as employment contracts, can be time-consuming and expensive. Legal expenses cover not only offers the services of legal representation but also provides free legal advice on a range of problems and access to a suite of helpful documents.

If one of your employees has an accident, and it leads to temporary or permanent disablement, or even death, a benefit payment will be made. Business travel can also be added to this cover.  

If a customer fails to pay you for services or products, whether it’s due to insolvency, refusal, or inability to pay, credit insurance will indemnify your losses. The insurance will also provide insights into customers credit ratings and what limits of credits to offer. 

Performance bonds are a type of surety bond and are written promises to pay for direct loss or damage suffered by a third party as a result of a breach of contract. Performance bonds are typically issued for 10% of contract value and are common with construction projects to protect the employer against the contractor failing. 

Covers your office contents, computer equipment, trade plant and machinery, stock, and buildings.

Covers financial losses following an incident such as fire or flood, protecting your business should you incur additional costs to continue trading to your previous level.

  • Fleet insurance covers your multiple vehicles on a single policy.  It can be a mix of vehicles, including vans, cars, and trucks. 
  • Uninsured loss recovery insurance pays for a solicitor to pursue a guilty third party for recovery of your uninsured losses such as policy excess, hire vehicle charge, loss of earnings, as well as costs to pursue a personal injury claim.
  • GAP insurance will cover the outstanding balance of a finance or lease agreement on your motor vehicle following its write-off or up to 25% of the write-off value.

Shopfitters insurance FAQs

It’s important for shopfitters to get the right insurance.  To help you do that, here are our shopfitters insurance frequently asked questions.  We hope they are helpful, but if you’d like any advice, please call us on 01892 511 144. Our friendly team of insurance professionals are here to help.

If you have employees, you will need at least £5m of employers’ liability insurance – that is a legal requirement.

Your specific insurance needs will vary depending on the service your business offers and your clients’ needs. Some of the typical covers we arrange are public liability, employers’ liability, product liability, professional indemnity, property and business interruption insurance.

Because accidents happen. Accidental damage to a client’s property, injury to a third party, stolen or damaged equipment and other unexpected events could make your business lose money or result in lost business opportunities. A good shopfitter’s insurance policy provides cover should these situations arise, protecting your business from legal and financial liabilities. 

Having the appropriate insurance cover is not only a responsible business practice but also a way to protect the financial stability of your shopfitters and fit-out business in the event of unexpected incidents or accidents. It provides peace of mind to both the contractor and their clients and ensures that the business can continue to operate effectively.

Getting a quote is easy.  You can start your shopfitters insurance quote here or call us on 01892 511 144, and our experienced team of professionals will help you arrange the protection you need. We understand your industry, and we will work with you to design insurance cover to suit your business’s requirements.

That will depend on the level of protection your business requires, your annual wages and turnover, what equipment you have, your claims history, etc. If you would like to get a shopfitter’s insurance quote, call us on 01892 511 144 or start your quote here.

Like some shopfitters insurance help?

If you’d like some help with your shopfitters insurance, please give us a call on 01892 511 144. Our team of insurance professionals will be happy to help you get the protection you need and offer you a shopfitters and interior fit-out insurance quote.