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35 Comments

Reply JamisonAnine
3:51 AM on February 1, 2018 
Shops that require protection for high risk goods held on the premises will usually need to declare the total values of each stock item. High risk shop stock and goods are those that attract thieves and are expensive to replace. Examples of high risk stock items are electronic equipment, cigarettes, and tobacco, designer clothing, computers and digital equipment, software, computer games and consoles, drugs pharmacy and medicines, watches and jewellery, mobile phones and radios, photographic equipment, power tools, TVs, DVDs, CDs and Wines and Spirits.

If your shop has high risk stock you can reduce the cost of your premiums by having adequate security in place. This includes an insurance company approved burglar and fire alarm, window grills, shutters and bars, CCTV and sprinklers. Many shop insurers will only offer stock cover if the minimum levels of security are in place for all shops, regardless of the stock contents held. A lot of insurers may offer further large discounts to the premium if the shop owner lives on or above the premises and is there at night.

Shops by their very nature deal with members of the public and a good insurance policy will usually contain liability cover as standard. This should include Public Liability of up to ?2,000,000 for any one claim by a member of the public who may suffer loss or injury visiting the shop.

If you employ staff all policies will offer Employers Liability cover of up to ?10,000,000 one event and because shops sell goods and services, Products Liability cover of ?2,000,000 for any one period of insurance.

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Reply Glenndup
10:09 PM on January 7, 2018 
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Reply AHyngeanna
7:10 AM on October 12, 2017 
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Reply kapriolrxe
3:36 PM on March 12, 2017 
Reply steklodelwlq
4:49 PM on February 21, 2017 
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Reply Servicevgi
3:43 PM on February 12, 2017 
удалите,пожалуйста! .


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Reply Steven
8:10 AM on January 22, 2017 
Hi. Have you any idea when Artie, the Good Witch will be republished? The synopsis really appeals to me but I can't find a copy anywhere.
Reply Chantell Simmons
1:32 AM on March 3, 2015 
Have you stopped writing
Reply CristianaBarros
7:57 PM on August 23, 2013 
Hi, I'm Cristiana from Portugal and I just wanted to say that I LOVED your Mate or Meal, Deadly Mates and Spirit Wolves series.. And I can't wait to know if you will ever write another book from any of this series..
Reply Laura
12:39 PM on March 30, 2012 
I think it's amazing that you've published so many books and you're so young still... how do you do it? I love writing but my biggest problem is not rushing off to the next idea that pops into my head that just couldn't fit into the piece I was writing. Any tips? The middle is always harder than the beginning and end :)