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UK Online Retailer Insurance

Getting fed up with being turned away

     
3:56 pm on Dec 6, 2006 (gmt 0)

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I've just been ringing around for insurance quotes for our shop and keep getting turned away when I answer with "online retailer" when asked the nature of the business.

After about the 6th time of being turned away I asked the operator why they don't touch online retailers.

"Well it opens up to worldwide liability", I said "we only sell to the UK", "doesn't make a difference" I was told.

Another reason I was given was "because of the spread of online viruses". With somany businesses online now whether they sell online or just market, do Customer Service by email or just have a mailing list I Wouldn't have thought this would be a problem.

Cheers

[edited by: lorax at 1:56 pm (utc) on Dec. 8, 2006]

4:03 pm on Dec 6, 2006 (gmt 0)

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not really sure why you need to call yourself an "online retailer" and not just "retailer".
4:07 pm on Dec 6, 2006 (gmt 0)

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Ah, that would be because an online business isn't a "real" business... ;)

Have sent you a sticky.

4:15 pm on Dec 6, 2006 (gmt 0)

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idolw,

Because if I don't, when/if it comes to claim time they'll probably tell me to get lost.

budgie,

Thank you, I'll try them now.

4:37 pm on Dec 6, 2006 (gmt 0)

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What kind of insurance are you looking for? What sort of products?

Product liability?

4:53 pm on Dec 6, 2006 (gmt 0)

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jsinger,

Product Liability, Public Liability and contence

4:54 pm on Dec 7, 2006 (gmt 0)

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Try an insurance broker. Go and see them, don't rely on the phone.
5:04 pm on Dec 7, 2006 (gmt 0)

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unperturbed, sorry i did not know that.
i always thought i run business but now it looks like i don't.
girls won't like me anymore :(
12:57 am on Dec 8, 2006 (gmt 0)

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idolw,

I'm sorry if my post seemed snappy, that wasn't the intention. It's just that, if I'm ever sued I'd like to know I'm fully covered. I'm thinking it would be like getting car insurance for a WV Polo and driving a Porsche.

piatkow,

Thanks, seems Like I have to, I asked one of the major insurance companies, why I kept getting turned away apparently by law they can't something to do with you have to seek advice which I guess going through a broker covers apparently it's only been about 16 months that they have been able to offer insurance to electricians and plumbers direct.