Helen Argers Novelist, Humorist, Poet!

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Reply JamisonBix
4:50 AM on December 7, 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.

Reply Jenny L Anista
3:59 PM on April 3, 2011 
Just read you on Twitter. Also checked out the Prince Harry Hunter page of your web and read the excerpt from Helen Argers' novel, "The Gilded Lily" it is exactly what all should be reading during this time of a royal wedding. I don't think I approve of the news that American women are going to London to hunt out a royal or noble, but the lead character in the novel shows how to handle them and the anti-american attitude toward the gals. Already bought the book and loved the first chapter that gives us the secret language of a fan and how what a woman does with it sends different messages to a gentlemen. So intriguing. Thanks for telling me about it. Jen
Reply Elana K. Regent
2:17 PM on July 2, 2010 
Very impressed by your website and your writing. It has the feel of Jane Austen and the humor column has such brilliance. But how do you go from that to the very meaningful play about such major issues as the Holocaust? Will you ever do that play into a novel? I would like to read it.
Best, Elana