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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 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.

You Could Save Over 15% With Us*

Mon-Fri: 8am - 6pm

Call our team to receive a no obligation, instant quote today.

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

Premiums from as little as £224.00

In the past 12 months our customers have paid as little as £224.00*** per annum for butcher shop insurance.

65%**** of our butcher shop customers paid less than £560.00 per annum in the past 12 months.

Why Insurance is Important for Butchers

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.


Terms and Conditions
*We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

** Optional cover may differ dependent upon insurer.
*** Data compared from 772 policies sold between November 2017 and November 2018.

**** Based on 772 policies sold between November 2017 and November 2018, 503 customers paid less than £560.


No, in most instances no one will come out to your premises. The quotation is based on what you tell us about your premises and business. It is up to you to inform us of anything you think may affect your insurance quote, information provided should be accurate and honest. However, on rare occasions the insurer may choose to visit your premises.


It is helpful to have any previous insurance policies handy, and any renewal documentation or information you have got so far. It doesn’t matter if you don’t have them though, we will guide you through the relevant questions. Basic details about your business and property will be needed, if you have any tools or stock to insure for example, their value would be required also.


Your quotation is valid for 30 days.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Beech's Butchers in Barrowford, Lancashire is one of our high street heroes. Visit their website here:

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