cash and carry insurance

Cash and Carry Insurance

Get the Tailored Cash and Carry Insurance you need to Protect your Business

A cash and carry is one of those businesses that needs specialist insurance designed to protect you against a unique set of risks – from the sheer amount of stock held on site, to heavy customer footfall, a cash and carry is a shop like no other.

That is why we’ve made it easy to find the cash and carry insurance you need to defend your business against the unexpected. From protecting your money, stock and premises, to keeping machinery and equipment machines running smoothly, and defending liability claims from slips, trips and more – we can help you find the cash and carry insurance cover you need to keep the doors open and protect your finances if the worst should happen.

Our specialists are on hand to save you time and money – working on your behalf to find tailored cash and carry insurance you can rely on.

You Could Save Over 20%*

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

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91% of our customers would recommend our service

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Standard Covers**

  • Accidental damage

  • Business interruption

  • Contents insurance

  • Employers liability

  • Glass

  • Money at home of insured or authorised employee

  • Money on premises or in safe

  • Money on the premises outside business hours

  • Public and products liability

Optional Covers**

  • Book debts/account receivable

  • Buildings cover

  • Embedded machinery breakdown

  • Goods in transit

  • Legal expenses

  • Loss of rent receivable

  • Subsidence

  • Tenants improvements

  • Terrorism

Why Choose smei for Cash and Carry Insurance?

We’re a specialist broker, so working with us is different to going direct to an insurer or a price-comparison website. We have access to a number of insurance policies from UK leading insurer and provide expert, unbiased advice should you need it, so you get the right cash and carry cover, at the right price.

We also:

  • Tailored your cover to the needs of you and your business, either online or over the phone.
  • Ensure you only pay for the covers that you need and want.
  • Receive renewal reminders to help make sure your cash and carry is never without insurance.
  • Rely on specialist support to help smooth the way when the time comes to make a claim.
  • Get all this for the best possible price – you could even save over 20% on your quote.*

Get a Cash and Carry Insurance Quote

We know that you’re busy, so we’ve made it as easy as possible for you to find the right cash and carry insurance quotes. All you need to do is give us some basic information about your business to find the cover that matches your needs.

There’s no waiting around – you can get a quote online or over the phone in minutes – and your cover can be set up immediately, without fuss. In fact, we’ll help to make finding the insurance you need as easy as 1, 2, 3.

* Please click here to view our pricing disclaimer.

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

Frequently asked questions

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. 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. Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery or you may have a large amount of frozen stock that you need to insure. Speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs. The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel 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 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 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 compensation costs. 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. 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 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. For bike shops, stock insurance should be a high priority, especially given the value of the products you are selling. 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 busier seasonal periods when you may offer bikes and equipment that are more expensive or exclusive.

91% of our customers would recommend our service

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Wouldn’t go anywhere else! I have used smei for many years. I always get reminded when it’s that time again. I have always found them to be very helpful and they do try to get you the best deal.

Morag Ross

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