Shops and Restaurants Insurance

This specially developed policy lets you get on with your day to day business and leaves us at New India to deal with the unexpected. Designed specifically for Retail Shops and Restaurants, it combines your essential business insurances in one document.

When you take out a policy you will gain access to free Emergency Assistance and Legal & Tax Advice Helplines along with a Business Legal Services website resource all operated by ARAG plc.

Our standard policy includes cover for;

  • Contents and Stock including cigarettes, tobacco, wines and spirits
  • Seasonal Stock Increase of 25% for November and December and for 30 days preceding Easter Day
  • Accidental Damage to underground pipes, services and cables
  • Replacement of locks at the property following theft of keys up to £500
  • Loss of metered water up to £5,000
  • Breakage of fixed glass, sanitaryware and signs
  • Loss of Income and Additional Expenditure – standard limit of £600,000 with 24 months maximum Indemnity Period, with option to increase.
  • Extensions include loss of income due to Denial of Access, Accidental Failure of public utilities, Notifiable Diseases, Defective Sanitation, Vermin or Pests and Murder or Suicide.
  • Book debts where accounts records are destroyed
  • Loss of Money whilst on the premises or in transit, including damage to any safe on the premises arising from theft
  • Cover for bodily injury sustained directly as a result of assault or violence in connection with theft
  • Public and Products Liability £2,000,000
  • Employers Liability £10,000,000

Further options available to include cover for;

  • Damage to Buildings including Debris Removal costs and Architects and Surveyors Fees
  • Costs and expenses incurred in locating the source of any damage caused by Escape of Water or Oil up to £5,000
  • Deterioration of frozen and chilled Stock following breakdown of refrigeration equipment up to £5,000
  • Reduction in the value of the business following loss of licence up to £100,000
  • All Risks cover on specified items of Business Equipment
  • Loss or damage to Goods in Transit (including whilst loading and unloading) up to £10,000
  • Loss of money or other property following dishonesty of employees up to £10,000
  • Legal Costs and Expenses relating to Employment Disputes, Employment Compensation Awards, Tax Protection, Property Disputes, Tenancy Protection, Compliance and Regulation, Directors Protection, Statutory Licence Protection and Contract & Debt Recovery.

Suitable Risks;

  • Retail Shops, including;
    • Grocer / Convenience Store / Supermarket
    • Newsagent / Confectioners
    • Off Licence
    • Clothing / Footwear Retail
    • Bakers / Butchers / Delicatessen
    • Bookmakers
    • Card and Gift Retail
    • DIY / Hardware Retail
    • Electrical Goods Retail
    • Florist
    • Opticians
    • Stationers / Office Equipment Retail
    • Café / Tea Room/ Sandwich Bar
    • Restaurant
    • Cooked Food Takeaway

Positive Features;

  • Low claims frequency
  • Trading history and experience
  • Superior security features
  • Overnight occupancy
  • Low flood risk
  • Low Subsidence risk

Unacceptable Features;

  • Non-Standard Construction
  • Unoccupied risks
  • Unspent Criminal Convictions
  • Previous Liquidation / Bankruptcy / CVA

Unacceptable Trades;

  • Sale of second hand goods
  • Hairdressers / Beauty Salons
  • Launderette / Dry Cleaners
  • Jewellers
  • Garden Centres
  • Cycle Dealers
  • Market Halls / Kiosks
  • Pawnbrokers
  • Petrol Stations
  • Tattooist / Body Piercing Studios


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Claims Information

Our Claim Promise

Attending to claims promptly, handling them efficiently through reputed, reliable and well-known firms of Loss Adjusters and settling the claims in a just, equitable and fair manner is New India’s philosophy to claims.

We handle claims with understanding, sympathy and appreciation of the claimant’s situation.

Making a Claim

  • Please report your claim immediately in accordance with your policy conditions to your Broker and to The New India Claims department using the number supplied below.
  • To ensure a faster, easier service please make sure you have your policy number and any other relevant details to hand.
  • In the event of any loss by theft or malicious damage to your property, this should be reported to the police immediately.
  • A claim form must be duly completed and submitted to The New India Claims department using the address or fax number below within 60 days of the loss/damage.

Please do not delay in contacting your Broker or the Claims Department of New India as soon as you are aware of a claim or possible claim, even if all the above information is not immediately available.

Commercial Claims Office