Complete Retailer

Up to £750,000 per location. Including locks & keys, property temporarily removed, seasonal increases, goods in transit and deterioration of stock. Variable limits apply.
Cover for losses following theft or attempted theft.
Variable limits apply.
Public and product liability with options of £2,000,000 or £5,000,000 limit of indemnity; employer’s liability up to £10,000,000.
Cover up to £250,000 for any one event and up to £1,000,000 for any one period of insurance for selected events. Includes free access to Allianz Legal Services.
Optional cover available for buildings (up to £1,500,000) and loss of license (up to £250,000).
Standard limit of £750,000, with option to increase up to £2,000,000. Maximum indemnity period of 24 months.
We’ve removed Average from our Complete
Retailer product to maximise certainty
in the event of a claim.
We prefer businesses that:
  • are high street retailers rather than industrial estate retailers
  • have modest stock exposures
  • trade from well-maintained, single-tenure, standard construction premises
  • have good levels of physical security
  • have a positive attitude to risk management
  • are well-established businesses (3+ years of trading experience) and financially stable
  • conduct regular risk assessments and have a business continuity plan in place
  • are well-managed and trade all year round
  • have a good claims history, or positive post-less action.
Our appetite includes:
  • art and craft shops
  • booksellers
  • butchers
  • florists
  • heel bars, key cutting and trophy retailers
  • stationers
  • sweet shops (excluding on-site manufacturing)
  • toy and game retailers.
Access all policy wording and other
Log on to QuoteSME
our digital trading platform.
Our full cycle trading platform allows you to quote, buy, amend and renew Complete Property Owner at the touch of a button, with instant electronic documentation. 
Early payment of up to 50%
of reserve value for SME property claims upon confirmation of cover.

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