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hibsjo(SCO)

insurance cover

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we pay about 400 quid for shop ins which covers everything under the business roof

machinery

pcs

fixtures and fittings

stock

liability

damage

accidentals

employers bla bla

loss of earnings

AND

we also have contractors work away from the premises for locksmithing and auto work

this covers us for liability

machines

tools

loss of earnings

but it costs 600 quid

wtf!!!

renewing at end of month

suggestions please

carry on!

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Mine is £650 including the property and all you listed.

To do locksmith work away from the premises we where quoted about £1400 a year on our renewal last year so we just stopped doing the work as we are really busy in the shop and there are a good 10+ locksmiths all fighting over prices it didn't really seem viable anymore but i do sell to most of them anyway so get a small bit of profit out of them anyway.

 

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Mines a bit strange. I pay 2 lots. One for the shop unit I own just contents and customer liability etc, and one to the landlord of the block I'm situated in for the building (terrorism etc that's a laugh) totals about £650 pa.

 

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