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If you own or run your own shop, restaurant, hotel or pub then having the right shop insurance in place is essential.

Shop insurance can protect your business from all manner of different problems that may occur during the day-to-day running of your shop.

The retail sector is a naturally busy market to operate in and accidents inevitably happen from time-to-time. Shop insurance can cover the costs of all manner of problems that occur such as theft, flooding or even fire.

Shop insurance can also protect your business should you incur legal costs and damages claims as a result of injuries, illnesses or other damages that staff or even members of the public incurred in your establishment, as a result of negligence on your behalf.

Along with shop insurance, professional indemnity insurance is another crucial policy to have if your business delivers any form of consultancy or design work for clients. This can include legal professionals, architects, accountants and even engineers.

Professional Indemnity insurance covers legal fees as well as cost of damages made against you, up to an agreed limit, should a client choose to take action as a result of personal loss to them or their business as a result of your or your company’s negligence.

Personal loss to a client or their company could include loss of money, sensitive data or loss of business, which could be worth a substantial amount.

Purchasing insurance for your business can be difficult and potentially expensive, however, using price comparison sites such as Constructaquote.com can find you the best deal, at a price that suits you.