Cumberland offers a wide range of competitively prime
insurance products. we offer a selection here. if you require a policy
which is not listed here please call your broker or contact us.
Cumberland's Retailers Policy is designed for the small to medium
retailer and includes the following basic coverage as standard;
Loss of or Damage to Stock and Trade Contents as a result of;
Fire, Lightning, Explosion and Aircraft,
Storm, Tempest, Flood and Earthquake,
Burst Pipes and Overflowing of Water Tanks, Impact ,
Theft, or attempted Theft, Malicious Damage,
Accidental Damage.
Loss of or Damage to Trade Contents whilst temporarily moved
from the business premises.
Damage to Buildings as a result of Theft.
Automatic seasonal increases.
Business Interruption as a result of;
Damage to the building which prevents the retailer from
continuing his business,
Denial of Access following damage to a neighbour's premises
which prevents access to the business premises,
Damage to Suppliers premises,
Suspected incendiary or explosive device on the premises.
Workmen's Compensation.
Public Liability, including;
Bodily injury and or property damage occurring to customers
on the premises,
Liability as a tenant under Articles 556 and 557 of the
Codes des Obligations des Contrats,
Liability to Neighbours under Articles 122 to 127 of the
Codes des Obligations des Contrats,
Products Liability.
Loss of Money (cash or cheques) whilst on the premises or in
transit as a result of Theft or Hold-Up.
Personal Accident (Assault) whilst the employee is on the premises.
In addition, the basic cover can be extended to include the following
extensions;
Loss of or Damage to Personal Possessions.
Damage to the Buildings due to Fire, Lightning, Explosion and
Aircraft, Storm, Tempest, Flood and Earthquake, Burst Pipes and
Overflowing of Water Tanks, Impact , Theft, or attempted Theft,
Malicious Damage and Accidental Damage.
Deterioration of Stock following failure of appliance.
