If you own your premises, buildings insurance is essential. Even if you rent, you might need your own buildings insurance policy, depending on your lease terms. Often, this can be bundled with contents insurance. We can help you find the right policy for your business. Contact us to discuss your options.
Are you facing challenges in securing insurance for your adult retailer or sex shop? At Adultsure, we understand the difficulties our clients encounter when seeking insurance tailored to their industry. That’s why we offer comprehensive adult retail policies designed as all-inclusive packages.
Our policies include essential coverage such as public and products liability, along with money cover as standard. Regardless of your specific circumstances, whether you operate solely online or have a physical store, and whether you stock lingerie, toys, or a wide range of products, we’re here to work with you to identify a package that provides complete protection for your business.
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We always make sure your coverage is top-notch – no compromises.
Our packages can be built around the following:
1. Do I need buildings insurance for my adult retail business?
2. What is public liability insurance?
Public liability insurance for adult retailers protects your business against claims from customers or the public who may have been injured or had their property damaged due to your business activities. This insurance covers the legal costs and any compensation claims, ensuring your business is financially protected from such incidents.
3. What protection does retail/shop insurance cover?
Shop insurance isn’t a single type of insurance but rather a term that encompasses various coverages necessary for retail businesses. Here’s a breakdown of the key protections it provides:
- Public Liability Insurance
Public liability insurance covers you in the event that a customer or visitor makes a claim against your business. This includes compensation costs and legal fees if someone is injured or their property is damaged while on your premises. Although not legally required, having this insurance is crucial for managing potential claims and protecting your business reputation.
- Employers’ Liability Insurance
If you have employees, whether full-time, part-time, or temporary, you are legally required to have employers’ liability insurance. This insurance protects you against claims from staff who may suffer injury or illness due to their work. It ensures that you can cover any compensation and legal costs arising from such claims.
- Stock Insurance
Your stock is a vital asset for your business, so protecting it is essential. Stock insurance can cover various scenarios, including:
- Seasonal Increases: Ensure you’re covered for additional stock during peak periods like Christmas.
- High-Value Items: If you sell high-risk items such as toys, alcohol, or lingerie, you can specifically insure these to protect against theft or damage.