PostGuard is specialist shop insurance designed for sub-post offices. It’s been developed to meet the precise needs of these types of businesses and help you trade with the confidence that we’ve got you covered.
With a full understanding of the post office and retail business, we understand the risks faced and what needs to be covered. Plus, we’ll do everything it takes to get you back in business fast if you need to claim. Even better, you can choose to spread the cost with interest-free instalments
All in all, a first class package for every type of sub-post office.
What’s protected with PostGuard?
PostGuard is an ‘all risks’ policy. This means it will cover stock and trade contents including accidental damage and theft, following forcible or violent entry or exit. You’ll also benefit from the reassurance that comes from knowing you’re protected with:
- Buildings cover (optional extension)
- Deterioration of stock following a chiller breakdown £2,000
- Revenue protection cover of up to £600,000 over 24 months
- Book debts cover £5,000
- Public and Products Liability cover £5,000,000
- Employers’ Liability cover £10,000,000 including injury in respect of working partners
- Theft by an employee cover £2,500
- Goods in transit cover £2,500
- Legal expenses cover limit £100,000 per incident (£1,000,000 any one period of insurance)
- Excesses for property damage £250
- Excess for subsidence (if cover required) £1000
Cover can be tailored to your specification subject to insurer terms, conditions, exceptions and limitations
Extra protection for cash and assault
As a business dealing with larger amounts of cash, post offices need to make sure their insurance covers loss and the implications of robbery or assault. Though these are rare, it’s reassuring to know you’re fully covered by specialist Sub-Post Office Insurance designed to do just that. PostGuard provides cover for cash:
- In transit £5,000
- On the premises during business hours £5,000
- On the premises in a locked safe outside business hours £3,500
- On the premises not contained in a locked safe outside business hours £500
Our assault benefit provides:
- Death benefit and capital benefits of £25,000
- Temporary total disablement cover of £250 per week (maximum 104 weeks)
Call us on 0161 236 3141 for a quotation through your dedicated PostGuard team, or enquire and we’ll call you back.
Customer service that always delivers
Our dedicated customer care helplines include legal advice and access to contractors to carry out emergency repair work on insured damage.
Call us on 0161 236 3141 for a quotation through your dedicated PostGuard team, or enquire and we’ll call you back.
Home cover
Postmasters, sub-postmasters and staff can also take advantage of great value home cover that offers the same level of benefits and service as PostGuard. Make your cover complete with:
- Standard cover of £1,000,000 buildings and £75,000 contents
- £25,000 cover for high risk items in the home (single article limit £2,500)
- Premiums payable by interest-free instalments
- No Claims Discount of up to 25% for claim free customers
- Cover for business equipment and student belongings included
- Home emergency assistance cover up to £250
- Locks & Keys cover up to £750
- Garden contents in the garden covered up to £2,000
- Highly competitive premiums
- Low excess of only £50 or £1,000 for subsidence
Sub Post Office Insurance Cover can be tailored to your specification subject to insurer terms, conditions exceptions & limitations.
Call us on 0161 236 3141 for a quotation through your dedicated PostGuard team, or enquire and we’ll call you back.
Our Details
Manchester Office
Cobac House,
14-16 Charlotte Street
Manchester M1 4FL
London Office
65 Leadenhall Street
London
EC3A 2AD
Sales & Enquiries
+44 (0) 161 236 3141