Retail Questions

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In the catering industry, you may well have a large amount of food stock, so if your fridge or freezer breaks down or there is a powercut, a large amount of your stock could become unuseable and therefore worthless. Deterioration of stock would cover you in this event. Some policies specify that the refridgeration equipment must be below a certain age for breakdown cover.

Loss of licence cover is for licenced trades, such as pubs, hotels and cafes, etc. It covers the loss of profit and/or expenses incurred should your business lose it's licence to sell alcohol. Some insurers will include this as standard on their products, and others may offer it as an optional extra with a choice of cover level at an additional cost.

Fidelity cover provides protection in the event you suffer a loss due to a theft or dishonest activity committed by one of your own staff.

Yes we do, click here for details.

A 5 lever mortice lock is a standard type of lock that deadlocks (unlike a yale lock that operates on a catch). Click here for a more in depth explanation and a picture of this type of lock and key.