Business Insurance FAQ's

Frequently Asked Questions

We provide insurance for businesses of all shapes and sizes, but occasionally they ask us for more information on the different types of businesses we insure, so we've included a bit more on each below.

Retail Shop

For Chill Insurance business cover we define a Retail Shop as a shop which sells products and would include anything from a shoe shop to a stationery store to a supermarket.

Office, Surgery, Professionals

Office, Surgery, Professionals usually applies to people who supply services; for instance, accountants to aroma therapists to underwriters and everything in between.

Property Owners

You've guessed it! This covers any commercial property you own including Apartment Blocks for Buildings and Public Liability.

Tradesmen

Tradesmen typically supply some kind of service. This covers jobs such as builders, electricians, landscape gardeners, signwriters and window cleaners.

Hospitality

The Hospitality trade covers a range of business including nightclubs, pubs and restaurants, as well as businesses like activity centres, B&B's, go karting tracks, guest houses, health clubs and hotels.


We realise you might have a few questions, so to make things as easy as possible we've put together this handy chart. Simply click below on the product you're interested in to view a selection of the most FAQs.

Landlord Insurance Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
Buildings Yes No No No No
Contents Yes No No No No
Fixtures & Fittings Yes No No No No
Loss of Rent Yes No No No No
Public Liability Yes No No No No
Employers Liability Yes No No No No

Learn more about Landlord Insurance

Property Insurance Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
Buildings Yes Yes Yes No Yes
Contents Yes Yes No No Yes
Fixtures & Fittings Yes No Yes No Yes
Stock Yes No No No Yes
Materials Yes No No No Yes
Computers Yes Yes No No Yes
Frozen Foods Yes No No No Yes
Glass Yes Yes Yes No Yes
Money Yes Yes No No Yes

Learn more about Property Insurance

Business Interruption Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
Gross Profit Yes Yes No No No
Gross Revenue No No No No Yes
Increased Cost of Working Yes Yes No No Yes
Additional Expenses No Yes No No Yes
Loss of Rent No No Yes No Yes
Alternative Accomodation No No Yes No Yes

Learn more about Business Interruption Insurance

Loss of Licence Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
Loss of Licence Yes No No No Yes

Learn more about Loss of Licence Insurance

Professional Indemnity Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
Professional Indemnity No Yes No No No

Learn more about Professional Indemnity Insurance

Contractors All Risks Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
Contractors All Risks No No No Yes No

Learn more about Contractors All Risks Insurance

Liability Insurance Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
Public Liability Yes Yes Yes Yes Yes
Products Liability Yes Yes No Yes Yes
Employers Liability Yes Yes Yes Yes Yes

Learn more about Liability Insurance

Directors and Officers Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
Directors and Officers No Yes No Yes Yes
Benefit Plan Liability Yes Yes No Yes Yes
Corporate Legal Liability No Yes No Yes Yes
Employment Practices Liability Yes Yes No Yes Yes
Crime Cover Yes Yes No Yes Yes
Kidnap & Extortion Costs No Yes No Yes Yes

Learn more about Directors & Officers Liability Insurance

Motor Fleet Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
Motor Fleet Yes Yes No Yes Yes

Learn more about Motor Fleet Insurance

Personal Accident Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
24 hour Cover Yes Yes Yes Yes Yes
Drivers Personal Accident No No No Yes No

Learn more about Personal Accident Insurance

Commercial Marine Retail Shop Office, Surgery, Professional Property Owners Tradesmen Hospitality
Marine Cargo Yes No No No No
Goods in Transit Yes No No Yes No

Learn more about Commercial Marine Insurance