Trade in goods and services
If you're a florist or run a clothes boutique, a concept store or a second-hand shop... with Atouts Pro, we protect your business and your activity against all the occupational hazards!
All the essential insurance cover for your activity in one single policy.
🏬 Protecting your premises
Whether you own or rent, your business is particularly exposed to the risks of fire, damage, theft, broken windows, etc.
Fire: Investing in commercial premises, whether shops, warehouses or offices, is not to be taken lightly. Fire insurance covers damage to walls, ceilings, electrical installations and plumbing, enabling the premises to be refurbished in the event of an insured loss.
Glass breakage: covers shop fronts, display windows and mirrors inside the business in the event of breakage. This cover protects not only the physical integrity of the premises but also the visibility of the business (sign).
👜 Protecting your property
Property protection is essential in the retail sector, as you invest heavily in equipment and fittings.
Water damage: you arrive at your shoe shop one morning to find that it’s been hit by water damage during the night. Your stock and some of the sales equipment are unusable... We cover the loss of contents up to the declared capital.
💃 Protecting your liability
In your line of work, the risk of material, immaterial or physical accidents is high because you are in constant contact with a very large number of customers, suppliers or service providers.
Business liability: covers bodily injury, property damage and consequential loss caused to third parties in the course of your business.
Examples:
• In a fruit and vegetable shop, a customer slips on a salad leaf and breaks their arm.
• A customer is injured when items placed haphazardly on a display fall on him.
• While unloading, the delivery guy inadvertently hits a passer-by walking along the pavement. As a result of the impact, the passer-by's glasses fall and shatter.
We cover damage caused to third parties in these kinds of circumstances.
🚚 Protecting your goods during transport
This protection can be essential for retailers, as it covers any damage or loss suffered by goods in transit, whether during delivery to customers or when replenishing stocks (loading and unloading are covered).
💸 Protecting your finances
Business interruption cover compensates you for the reduction in your gross margin during the closure period. This cover is essential to safeguard the viability of the business, as it enables you to continue to cover fixed costs such as salaries, rent and bills...
A clothing shop suffers water damage as a result of a leak from the flat above its premises, forcing it to close for several days to clean and repair, resulting in a loss of sales during this period.
Choosing AXA to insure your business means building a relationship of trust with a prevention insurer.
As a retail professional, we recommend that you:
📹 Install an alarm or video surveillance system.
🔐 Reinforce doors and windows: use steel doors and reinforced glass to make it harder for intruders to gain access.
🔨 Install burglar-proof glazing if you’re the owner.
You can take out your professional insurance directly with your AXA intermediary, who is closest to you and your business.
A modular offer that adapts to your business and your insurance needs.
- Comprehensive theft coverage and various options to suit your business.
- Financial protection with two coverage options to enable you to continue your business in the event of a setback.
What our policyholders have to say...
“In my second-hand clothes shop, I set out to offer unique pieces to my customers in pleasant surroundings. Unfortunately, last year I had a bit of an emergency when a water leak damaged some of my stock as well as my shop fittings. It was a very stressful time for me, as I was worried it would seriously affect my business. Fortunately, thanks to my insurance with AXA, I was able to breathe a little easier. Their team dealt with my claim quickly and efficiently. They assessed the damage and helped me cover the repair costs, as well as the loss of stock. Thanks to their support, I was able to reopen my shop in record time and continue to serve my customers. Being insured by AXA has given me the peace of mind I need to concentrate on what I love doing: sell quality second-hand clothes.”
