The following unforeseen major events are covered by a shop policy. Some perils are optional and can be added to the cover for an additional premium:
- Fire
- Lightning
- Storm or Tempest
- Flood
- Bursting or Overflowing of water tanks, apparatus or pipes
- Impact by any vehicle (or goods falling from them) or animal
- Explosion
- Aircraft and other aerial devices or articles dropped there from
- Riot, Civil commotion, Strikers, Locked-Out workers or Persons taking part in Labour disturbances
- Malicious persons
- Earthquake
- Water discharged or leaking from the automatic Sprinkler installation(s) in the premises
- Theft or attempted theft
- Employers Liability
- Public & Products Liability
Optional covers
- Accidental Damage
- Subsidence or Land Heave
- Terrorism Cover
