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Compare Shop Insurance in Northern Ireland
Whilst the number of small shops in NI have been on a downward trend since the growth of the supermarkets chains, we still have many local shops providing a service to the local community. If you own a shop in Northern Ireland, you may wish to consider taking out shop insurance to provide cover should damage occur. Whilst it may be questionable that Northern Ireland is still a nation of shopkeepers, a phrase attributed to Napoleon, we still have many shops. Think of the local butcher, chemist, hairdresser, nail salon, paper shop, toy store, book shop, clothes retails shops and the list goes on and on. In other counties, they tend to have mage malls that house one store that will distribute all goods that any household will ever need.
Insurance is available for traditional bricks and mortar and the ever increasing shops that have an online presence only.
What Can NI shop insurance cover both online and offline?
Most polices will consist of optional elements, as details below.
How much is shop insurance in Northern Ireland?
The price of NI shop insurance will depend largely on the amount of cover required and the perceived risk to the insurance provider. For example, insurance for a jewellery shop will work out more expensive than cover for a local newsagent or barber shop. The insurance quotes that you receive will also take into account your history, have you a history of making claims. How much excess are you willing top accept. Accepting a higher excess should reduce your quote as you are accepting more risk.
Other Types of Cover to Consider
If you are in the beauty or food sector, you may wish to consider product liability cover. This protects you should the product you sell or apply causes damage or harm to a third party. An extreme example would be a hair growth product cause the customer lo actually lose hair.