Retail

A schedule in this class that does not show one of these raises the finding "usually held in retail, not on this schedule". Absence is a question, not a fault: the cover may sit inside another policy or have been declined on purpose.

• Property
  Physical loss of or damage to your buildings, plant, stock and contents from fire, storm, water, impact, theft and the other insured perils, up to the sum insured.
• Business interruption
  The gross profit or revenue you lose, and the extra cost of keeping the business going, while property damage stops or slows you, for the indemnity period the policy states.
• Public liability
  Your legal liability to third parties for injury or property damage arising from your premises and operations, and in the AU and UK combined form for the products you sell.
• Product liability
  Your legal liability for injury or damage caused by a product you made, imported or sold, after it has left your hands.
• Workers compensation (statutory)
  Medical costs, weekly payments and lump sums for employees injured at work or made ill by it, under the scheme of the state or country where they are employed.
• Cyber
  Your own costs after a security incident (forensics, notification, restoration, business interruption from a network outage, extortion) and your liability to others for the data and systems you failed to protect.
• Crime and fidelity
  Direct financial loss from dishonesty by employees, and on the wider forms from third-party fraud: forged cheques, funds transfer fraud, computer fraud and social engineering.
• Money
  Loss of cash, cheques and negotiable instruments on the premises, in transit, in a safe or at a private residence, with the injury cover for staff carrying it.
• Glass
  Breakage of external and internal glass, signs and shopfronts, with the cost of temporary boarding.

Raises the finding "often needed in retail and often lacking, not on this schedule". Worth a written answer either way, so a retained exposure is a recorded decision.

• Directors and officers
  Defence costs and damages when directors, officers and (under management liability) the company itself are pursued for a wrongful act in managing the business: regulators, shareholders, creditors, employees.
• Employment practices liability
  Defence costs and damages for claims by employees and applicants: unfair or wrongful dismissal, discrimination, harassment, bullying, breach of employment contract.
• Marine cargo and transit
  Loss of or damage to goods while in transit by road, rail, sea or air, whether you own them or carry them for others, from loading to delivery.
• Commercial motor
  Damage to the vehicles you own and operate, and your liability for damage to other people's property caused by them; bodily injury sits under the compulsory third party scheme in AU and under the motor policy in the UK and US.
• Theft and burglary
  Loss of stock, contents and equipment by theft, and damage caused in the break-in, where the property policy carries no theft section.
• Product recall
  The cost of withdrawing a product from the market (notification, transport, destruction, replacement), the lost profit and rehabilitation costs after a contamination, defect or malicious tamper, and on some forms a customer's recall costs.

Yes. Businesses in this class usually hold cyber cover and their customers, regulators and lenders usually ask for the certificate, so the register raises a separate finding with the underwriting baseline behind it.

Check your schedule against this class

Paste the schedule with a first line industry: retail, or pick the class from the list, and the register names the lines from these two tables that the schedule does not show, beside the arithmetic on every line it does. Six lines free, no account.