butchers insurance

Butchers Insurance

A Butchers Shop Contains Many Hazards to both Workers and the General Public so Having the Right Insurance is Critical to Running your Business.

Employers liability, public liability and product liability insurance are all important for protecting the future of your business. smei has been providing specialist commercial insurance policies to the meat and food trading industry since we were established in 2002. Unlike some brokers who may not fully understand your business or have entered and quickly exited the market, we have consistently listened to our policyholders to ensure that needs are met to the best of our ability.

Today, we handle 35,000 policies providing stability for our clients. We provide reassurance that you are in safe hands by offering butcher shop insurance quotes from a selection of UK based insurers, offering products which have been designed to meet the needs of your industry.

We’re passionate about championing the high street and helping butchers like Beech's Butchers in Barrowford, Lancashire (pictured above). If you find your requirements are more unique and fall outside the usual areas that insurers typically offer cover for, then we can often still provide a quotation. These include:

  • Premises with flat roofs.
  • Risks with high sums insured.
  • Start-up businesses.
  • Proposals that have had large claims (including fire or flood).

Please note we are unable to offer quotations to businesses located in Northern Ireland.

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90% of our customers would recommend our service

Standard Covers**

  • Accidental damage

  • Book debts/account receivable

  • Business interruption

  • Contents insurance

  • Employers' liability

  • Glass

  • Money in safe

  • Money on premises

  • Public and products liability

Optional Covers**

  • Buildings cover

  • Embedded breakdown

  • Goods in transit

  • Legal expenses

  • Loss of rent receivable

  • Subsidence

  • Tenants improvements

  • Terrorism

Premiums from as little as

£339 .50
In the past 12 months our customers have paid as little as £339.50 per annum for butchers insurance.

50% of our butcher customers paid less than £745.00 per annum.***

Why Butcher Shop Insurance is Important

When working within the food retail industry with potentially hazardous equipment and machinery, it’s critical to ensure you are properly covered.

Risks can arise in many forms, relating to staff members, stock, and the equipment that you use. You may even face risk from fire, flood or theft from within the premises itself.

These risks mean that it is important to have the right level of cover to protect your livelihood, as well as the customers that visit your shop.

The types of cover that you can arrange include:

  • Public liability – this can protect you against your liability for injury to customers or even food poisoning.
  • Employers liability – this can cover you for your liability for staff injuries in the workplace.
  • Business interruption cover – this can provide financial protection for the business in the event of an insured risk. Settlement types can include loss of gross profit and loss of gross revenue. The length of time that the business interruption may cover will vary depending on your individual circumstances and requirements.

These are just some of the covers that are available to you. It is always advisable to speak to a broker who can guide you towards the right level of cover that is appropriate for you and your business.

About the Butchery Industry

Despite the introduction of meat counters within supermarkets and large stores, local butchers continue to sell their meat products to customers throughout the UK.

For many, visiting the high street butcher, it’s an opportunity to purchase locally sourced, high quality meats. You can ask questions and gain advice on the different cuts of meat available, and even ask your butcher to prepare the meat for a specific recipe you have in mind .

Running a butchers shop involves specialist knowledge of not only the meat itself and from where it is sourced, but also the machinery that is used within the butchers. It can often take many years to master the art of butchery, as well as passing that knowledge onto the staff that work with you. Often, that knowledge and skill has been passed down within a family from generation to generation of independent butchers.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 339 policies sold in 2021.

Frequently asked questions

As a business providing food to the public, you'll be adhering to the relevant health and safety and food production measures, but things can still go wrong. You need home baking public liability insurance to cover you if, for example, someone has an allergic reaction to your food and they make a claim against you. Public liability insurance isn't a legal requirement, but it can cover the costs of any compensation due and legal fees associated with claims. As you constantly have members of the public filtering in and out of your supermarket, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or their property is damaged as a result of you or your employee's negligence. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. Stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around key dates when you would carry goods that are more expensive than usual, like at Christmas for example. Some types of insurance may be a legal requirement. Others will protect you and your supermarket in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your supermarket could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your supermarket and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business. Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely to be interacting with members of the public on a daily basis, which means there's a risk of your charity's activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation. Different types of charity shops have varying needs of protection. For example, your charity shop may sell everything from clothing and books, to electrical items such as televisions and sound systems, or you may need cover for fundraising events and activities. The policies that you include in your charity's insurance package may be influenced by a number of factors, including the size and nature of your charity, and the work it carries out. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee's negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. The cost of your insurance policy depends entirely on your needs. Our flexible policies can adapt to fit your requirements and your budget too. Multiple options may be available from our range of insurers - each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you. Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don't have public liability insurance and a customer trips over equipment or boxes on the floor you may be liable to pay costs of compensation. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business. Each bike shop has varying needs of protection depending on a number of factors. Your bike shop may have a complex range of bicycles ranging from road and cyclocross bikes to mountain and hybrid bikes. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.

90% of our customers would recommend our service

smei is always best. We have more than 10 hair salons and they never forget the renewal time, never renew the policy without asking, customer service always polite and solve any problems quickly. Also I can see all of my policies on their portal, no waste of paper, everything online. Thank you smei!

Rana Dincer

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