shops - rsabroker.com brochure.pdf · you can buy our new shops product on rsa online...
TRANSCRIPT
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Specifically designed to suit the needs of limited companies, partnerships and sole proprietors operating small to medium retail businesses, our Shops package covers a range of trades including convenience stores, takeaway food outlets, clothing, cafés, coffee shops, and hair and beauty salons.
SHOPSAdd or subtract a range of options to suit your clients’ needs
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Ourrefreshedproductgivesyoumoreflexibilitythanevertoensurethatthecoverprovidedmeetsyourclients’requirements.Youcanchoosecoversatquote,mid-termorrenewal–seetheflexibleoptionssectionformoredetails.
Wehaveexpandedourtradeandgeographicaleligibilitysowecannowcovermoretradesandpostcodesthanever.
Personalaccidentcoverisnowavailable.
We’veamendedourapproachtohairandbeautyandnowuseallthedataprovidedtoensurethatpricingandtermsreflecttheactivitiesthatyourclientsundertake.
We’vereducedthenumberofendorsementsthatappearonourschedulestocutdowntheamountofvariationincoveryouneedtoexplaintoyourclient.
We’vesimplifiedourapproachtosecurityrequirementsandchangedourapproachtoalarmrequirements.
OurrefreshedproductgivesyoutheabilitytoflexyourrateofcommissiononRSAOnlineandActuris.Thismeansthatyouwillbeabletoreducecommissiontoaslowas0%orincreasethepolicycommissiontoamaximumof35%.
HOW WE’VE IMPROVED
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OUTSTANDING STANDARD COVER…
Generaltradestockwithamountspecifiedbyclient–optionstoincludecoverfortobaccoandalcoholarealsoincluded.
Othertradecontentswithamountspecifiedbyclient.
Buildingscoverortenantsimprovementscoverareavailablewithamountspecified byclient.
Forbuildings/tenantsimprovementsandcontents/stock,covercanbeprovidedonastandardfireandperilsbasiswithoptionstoincludeaccidentaldamageandsubsidence.
50%seasonalstockincreaseforChristmasandEaster(oraperiodofthesamelengthofyourchoice).
Ourstandardcoverconsistsof:
Goodsintransitcoverof£2,500withtheoption toextendto£10,000.
Unspecifiedallrisksitemsto£2,500withthe optiontospecifyabovethislimit.
£1,000coverfordamagetofrozenandchilled foodwiththeoptiontoincrease.
Public/productsliabilityisautomaticallyincluded to£2mwiththeoptiontoincrease.
Lossofliquorlicencecoverto£100,000withtheoptiontoincrease.
Moneycoverfrom£1,000withtheoption toincrease.
Businessinterruption–grossprofitfrom£500,000withtheoptiontoreduceorincrease.
Optionsareavailabletoincludelegalexpenses,fidelityguaranteeandpersonalaccident.
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...AND A RANGE OF FLEXIBLE OPTIONS
Youcanchoosefromarangeofpackagedcoverstoensurethepolicyandpremiumarespecifictoyourclients’needs–thisincludes:
•Liabilities •Businessinterruption •Money •Lossoflicence •Deteriorationofstock.
Treatmentliabilityforhairandbeautyrisks.
Addorsubtractarangeofmodularoptionstosuityourclients’needs:
Ourmodularproductprovidesflexibilityto ensureyourclientsonlypayforthecoverthat theyneed.Increasesareavailablewherehigher limitsarerequired.
WecoverriskswithATMsinstalledat thepremises.
Wenowcoverretailerswhooperatefromadomesticpremises.
Theproductalsoprovidescoverforrisks retailingsecondhandgoods,including charityshops.
Weofferfree24-houradvicelinesfor catastropheclaimassistance,emergency repairs,healthandsafety,stresscounselling andtaxationadvice.
WHY CHOOSE RSA SHOPS?
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YoucanbuyournewShopsproductonRSA Online(rsaonline.rsagroup.com)andActuris.
AN APPETITE FOR BUSINESS
WHERE TO BUY
Hairdressers
Foodrisksincludingtakeawaysandfishandchipshops
Conveniencestores
Contentsunder£20kandstockunder£10k.
RSA’sShopsisextremelycompetitivefor:
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1.NEW,REFRESHED,EASY-TO-TRADE SMEPRODUCTS
OurnewandrefreshedSMEproductsareprice-competitive,withincreasedlevelsofeligibility–creatingmoreopportunitiesforbusiness. Oursimpleproductsoffermodularcoversfor evengreaterflexibility.
2.ATTENTIVESERVICEANDRESPONSIVETURNAROUNDTIMES
We’veimprovedresponsetimesfornewbusinessandMTAs.We’vealsoimprovedourrenewalsprocesseswithregulare-bulletinsandanonlinedashboardonRSAOnline,whereyoucanaccessLiveChattomakee-tradingwithusfaster,easierandmoreefficient.
WHY RSA FOR SME?
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3.STRONGREPUTATIONFORFAIRCLAIMSAsamarket-leadingSMEclaimsprovider,wewilldeliveraneffectiveandefficientclaimsserviceencompassingspeedofaction,technicalexcellenceandpaymentinaccordancewiththepolicy.YourSMEcustomersbenefitinparticularfromthefollowingRSAClaims:
‘Express5’Commitment:Onreceiptofafullpresentation* ofanypropertyclaimunder£2,500wewillexpressprocessyourclaimwithin24hours,orthesamedayifreceivedbeforemidday.Chequesareissuedwithin24hoursandiffurtherinformationisrequiredwewillcallyoutoensureyourclaimcanstillbeexpressedthesameday.
BespokeSupplyChain–exclusiveaccesstoalargenetworkofvettedsupplierswhoprovidearangeofpropertyservicesatspeciallynegotiatedrates.
UniqueIn-houseLossAdjustingServicestoinvestigatealltypesofmaterialdamageandbusinessinterruptionclaims,enablingswifteron-sitesettlementandwithnofeesforin-housecases.
Werecognisecommunicationiskeytoasuccessfulpartnershipandworktoagreedservicelevelstoensurewerespondeffectivelyatkeypointsoftheclaim.
*Presentationtoincludefulldetailsunder5keyareas:Policynumberandschedule, Lossdetails,Estimateforrepairorreplacement,SettlementmethodandPayeedetails.
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4.FINANCIALSTRENGTHANDHERITAGEWe’retheUK’slargestcommercialinsurer,withaheritagestretchingbackover300years.Oursolidcreditratings,A+NegativefromStandard&Poor’sandA2StablebyMoody’s,showwe’veachievedsustainable,profitableperformanceinacompetitiveandchallengingmarket.
5.ACOMPREHENSIVERANGEOFONLINEPRODUCTS
AswellasourrangeofSMEproducts,includingMiniFleet,Offices,Properties,Shops,SmallBusinessCombinedandtwonewproductscomingsoon,Hotels&RestaurantsandTradespeople&Homeworkers,wealsohaveseveralspecialistproductsonRSAOnline.TheseincludeProfessionalIndemnity,eComputers,andourMarineproducts:HaulageeSolutions,TransiteSolutionsandCargoeSolutions.
6.ACCESSTOSMEE-TRADINGEXPERTSOurSMEe-tradingexpertsprovidesupportinpersonorbyphone,includingsystemdemos,coaching,andproductandmarketexpertise.Ifyouneedhelpe-tradingOffices,Shops,SmallBusinessCombined,PropertiesandMiniFleetproducts,speaktoyourlocale-tradertoarrangeacallorvisit.
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OUR NEW AND REFRESHED SME PRODUCTS ARE PRICE-COMPETITIVE, WITH INCREASED LEVELS OF ELIGIBILITY – CREATING MORE OPPORTUNITIES FOR BUSINESS.
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WHATDOWEMEANBYMODULARPRODUCT?
OurShopsproductwillprovideaninitialquoteonatraditionalpackagesbasis.Thisquotecanthenbeamendedtoincreaseordecreasesumsinsuredandremovecoversbasedontheindividualclient’sneeds,providingamuchmoreflexiblesolutionthanavailablepreviously.
HOWMANYLOCATIONSCANBEINSUREDUNDERTHESAMEPOLICY?
Amaximumof10locationsmaybeinsuredononepolicy.
WHATISTHEMAXIMUMSUMINSUREDPERPREMISES?
£2.5msuminsuredperpremises.
DOYOUINSURERISKSWITHANATM?
OurproductcanaccommodaterisksthathaveATMsinstalledattheirpremises.
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HerearetheanswerstoourmostfrequentlyaskedquestionsaboutShops.
YOUR QUESTIONS ANSWERED
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DOYOUINSURERISKSTHATDEALWITHSECONDHANDGOODS?
OurShopsproducthasaprovisiontoallowcoverforrisksthatdealwithsecondhandgoods(includingcharityshops)providedthatallstatutoryrequirementsandtestinghavebeencarriedout.Coverwillalsobesubjecttolimitsforhighervalueitems(e.g.watches,rarebooks).
DOYOUPROVIDETREATMENTRISKFORHAIRANDBEAUTYTRADES?
Yes,providedthatalltreatmentsarenotofaninvasiveormedicalnature,thatpreparationsusedareproprietaryandthattreatmentsarecarriedoutbyqualifiedstafforundertheconstantsupervisionofqualifiedstaff.
HOWDOICHOOSECOVERSWHENE-TRADINGSHOPS?
WhentradingShopsonRSAOnline,allofthepackagedcoversarealreadyselectedforyouthefirsttimethatyouenterthequotation.Allyouneedtodoisfollowtheon-screeninstructionsanddeselectthecoversthatarenotrequiredforyourclient.
OnActuristheprocessisslightlydifferent.YourinitialquoteforShopswillincludeallthepackagedcovers.Then,forsubsequentsubmissions,youhavetheoptiontodeselectanyofthecoverstogetaquotationonthatbasis.
PleaserefertothepolicydocumentationorcontactyourusualRSAcontactforfurtherdetailsifrequired.
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YOUR QUESTIONS ANSWERED
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rsabroker.com/sme
Royal&SunAllianceInsuranceplc(No.93792).RegisteredinEnglandandWalesatSt.Mark’sCourt,ChartWay,Horsham,WestSussex,RH121XL.AuthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthorityandthePrudentialRegulationAuthority. UKC04711