PhotoDownUnder

Photography by Richard Edwards

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6 Comments

Reply Jamisoncew
1:00 PM on December 6, 2017 
Shops that require protection for high risk goods held on the premises will usually need to declare the total values of each stock item. High risk shop stock and goods are those that attract thieves and are expensive to replace. Examples of high risk stock items are electronic equipment, cigarettes, and tobacco, designer clothing, computers and digital equipment, software, computer games and consoles, drugs pharmacy and medicines, watches and jewellery, mobile phones and radios, photographic equipment, power tools, TVs, DVDs, CDs and Wines and Spirits.

If your shop has high risk stock you can reduce the cost of your premiums by having adequate security in place. This includes an insurance company approved burglar and fire alarm, window grills, shutters and bars, CCTV and sprinklers. Many shop insurers will only offer stock cover if the minimum levels of security are in place for all shops, regardless of the stock contents held. A lot of insurers may offer further large discounts to the premium if the shop owner lives on or above the premises and is there at night.

Shops by their very nature deal with members of the public and a good insurance policy will usually contain liability cover as standard. This should include Public Liability of up to ?2,000,000 for any one claim by a member of the public who may suffer loss or injury visiting the shop.

If you employ staff all policies will offer Employers Liability cover of up to ?10,000,000 one event and because shops sell goods and services, Products Liability cover of ?2,000,000 for any one period of insurance.

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Reply Gunther
3:54 PM on October 27, 2017 
Just finished poking around your website...
VERY nice work my friend!
Reply Ron Cottee
12:17 AM on November 13, 2012 
Excellent work Richard!
Reply Richard
5:44 AM on October 23, 2012 
Alan Klein says...
Richard: Very nice portfolio. I really enjoyed going through your photos. Best of luck and keep being creative. Alan

Thanks for the visit and signing my Guestbook Alan, I hope you visit often, And please, share the site with your friends and family, best regards Richard
Reply Alan Klein
11:58 PM on October 19, 2012 
Richard: Very nice portfolio. I really enjoyed going through your photos. Best of luck and keep being creative. Alan
Reply Olga M. Sacasa
10:14 AM on September 26, 2012 
It's great to see I was actually there when you took some of those USA pictures. Love your B&W pix - so much dimension. My favorites are your portraits, art and any of your nature pix. Love, Olli