This specially designed product will provide you with cover for all of the following:
You’ll often find that insurance companies refuse to cover instances of shoplifting, even if you choose the theft cover option. This may be because they require visible entries of forced or violent exit or entry to the building. At Business OUTsurance, we’ve specifically made provision for shoplifting under the “stock” section of our product which means that once you’ve added this to your cover, you’ll automatically be insured for shoplifting during normal business operating hours.
We’ll cover all the raw materials, finished goods and other goods for which you’re responsible and belongs to other parties.
Full theft cover
At long last, you’ve got a choice between either full or limited theft cover for your business contents and stock. This is great news, especially since so many other insurance companies only provides limited theft cover.
We’ll be happy to assist you with cover for any money that you keep on your premises during normal business hours, also after business hours, and even when you transport money. We’ll also throw in a free bonus benefit where we’ll increase the covered amount with 15% during December when you’re bound to experience a higher turnover.
Protect your business against damages that you’re legally liable to pay for damages (e.g. a client slips and falls at your business premises).
If you’re part of a franchise, we’ll provide you with cover where you’re required to pay franchise royalties and which you’re now unable to do, after an incident caused interruption to the normal running of your business. Just remember to include the royalty amount in the fixed expenses value when you apply for business interruption cover. At no extra charge, we’ll even cover the costs for all advertising materials (e.g. brochures) to get your business back up and running again!
As part of the contents section of your cover, you’re automatically covered for all of the following – at no extra charge:
Because you’re insured with OUTsurance, it goes without saying that you’ll only pay a fixed excess if ever you need to claim! In addition, you’ll receive free Help@OUT emergency office and roadside assistance, 24/7. This can include anything from security assistance to electricians and plumbers.
Of course, to make your life even easier, you may want to add your own touch and update the retail insurance product to get even more OUT:Update your buildings cover
Update your buildings cover so that you can insure the complete building or only the permanent fixtures or fittings, including glass to shopfront windows.Personal accident insurance against accidental death
Protect your employees by adding personal accident Insurance against accidental death.Employer’s liability
Add employer’s liability to receive insurance cover in case the business can be held liable for damage to an employee. You can also cover your business and personal vehicles under the same option.Employee dishonesty cover
Add employee dishonesty cover to protect all of the insured property of the business against theft by employees.