| Buildings, contents and stock policy excess |
£50 |
£200 |
£250 |
| Theft cover |
Includes shoplifting |
No cover for shoplifting |
No cover for shoplifting |
| Goods in Transit |
£3,000 |
£750 |
£2,500 |
| Damage to stock contained within refrigerator |
Standard £2,000 |
Specified |
Specified |
| Unoccupied properties |
Weekly inspections |
Daily internal inspections |
No cover for burst pipes, malicious damage and glass breakage |
| Business Interruption - reduction in total income up to 24 months |
£1,000,000 automatically |
Limited to 3 x business contents and stock sum insured |
Specified sum insured |
| Outstanding debts if your accounts are destroyed |
Up to £5,000 |
£1,000 standard |
£1,000 standard |
| Loss of rent receivable/payable |
£100,000 or 15% of building sum insured |
Specified |
Specified |
| Loss of revenue due to damage to premises of doctors’ surgery, nursing home within two mile radius |
Yes |
Yes limited to 2 mile radius |
Not covered |
| Employers’ Liability |
£10,000,000 |
£10,000,000 |
£10,000,000 |
| Work away from premises |
Yes |
Not covered |
Yes |
| Limit for money in transit and during business hours |
£7,500 |
£4,000 |
£4,000 |
| Prescriptions classified as money |
Yes |
Yes |
No |
| Property Owners’ Liability |
£2,000,000 any one claim |
£500,000 any one claim |
£2,000,000 any one claim |
| Public Liability including work away from premises |
£2,000,000 any one claim |
Not covered |
£2,000,000 any one claim |
| Product Liability for pharmaceutical products |
£2,000,000 any one occurrence |
Not covered |
£2,000,000 any one claim |
| Commercial Legal Expenses |
Automatically covered for £50,000 any one claim |
Not automatically included |
Not automatically included |
