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Convenience Store Insurance

Your convenience store is likely to contain a wide variety of products that may need specialist cover. Our flexible policies can be tailored to your specific needs.

smei has access to a number of products provided by a selection of UK insurers, and may be able to tailor cover to suit the requirements of your convenience store.

Our flexible approach allows us to cater for “non-standard” risks such as:

  • 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.

Why Insurance is Important for Convenience Stores

Shops like Your Convenience Store in Barrowford, Lancashire (pictured above) often rely on the local community for their trade. It is important for these small businesses to take out the right business insurance in order to make sure their business is protected and their livelihood secured.

It is likely that a convenience store may hold cash and stock, some of which may be left overnight. It’s critical that you have the right protection in place should the worst happen and you fall victim to a break-in or theft.

It is also important to protect yourself from claims that may be made by customers when shopping in your store, for example this may be down to a slip due to spilled liquid which can be covered by public liability insurance.

Securing the right insurance for your store is critical to help aid the smooth running of your business. Speaking with an insurance expert about your business and the risks and issues you face, may help ensure you take out the right type and level of cover for your individual needs.

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 convenience store insurance.

Over 65%**** of our convenience store customers paid less than £700 per annum in the past 12 months.

About the Convenience Store Industry

Convenience stores provide us with the chance to “pop-in” and grab those items that we all seem to need in everyday life.

Often they will stock a wide variety of different products; from newspapers to pet products, as well as food, drink, and other household items.

Convenience stores are often found in neighbourhoods, providing their services as an independent store to the local people. They may not be the place that you would complete your weekly shop, however, when you have run out of milk or want the daily newspaper, they can be the shop that you turn to.

 Terms and Conditions

* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

** Optional cover may differ dependent upon insurer.

*** Data compared from 1287 policies sold between November 2017 and November 2018.

**** Based on 1287 policies sold between November 2017 and November 2018, 842 customers paid less than £700.

IF I WAS TO FIND A LOWER QUOTE ELSEWHERE ARE YOU ABLE TO MATCH OR BEAT IT?

We will always do our utmost to beat your current price or other genuine like-for-like quotes you have been offered. We will offer you a quotation and policy best suited for your needs.

I WOULD LIKE TO LINK MY SITE TO SMEI'S WEBSITE, AM I OK TO DO THIS?

Generally, we would welcome you to add links to our site from yours, however if you wanted to talk to us in more detail about such affiliations please call 0330 134 4645 to speak to the marketing team before doing so.

DO YOU OFFER A NO CLAIMS DISCOUNT?

Most insurers will recognise a risk that has a good claims experience and will discount accordingly.

WHAT SHOP IS FEATURED ON THIS PAGE?

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. Your Convenience Store in Barrowford, Lancashire is one of our high street heroes.

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Cover if your stock or materials are lost, stolen or damaged

Cigarettes and Tobacco

£

Photographic Equipment

£

Wines and Spirits

£

Clothing

£

DVDs, Blu-rays, CDs and Video Games

£

Jewellery

£

Electrical Equipment

£

All Other Stock

£

Please enter amount

£

This may include movable furniture, fixtures and other equipment with no permanent connection to the structure of the building.

Please enter amount

£

If you are a tenant you will be responsible for any improvements you have made.

Please enter amount

£

If yes, please enter amount. How much would it cost to rebuild your shop if it was badly damaged or destroyed entirely?

£

You Could Save Over 15% With Us*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

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

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

Related Articles

How does a hard-working family business put convenience at the heart of the community?

We caught up with Sathiyasuman and Naveena, owners of Premier Barrowford Convenience Store to get the low down on running a successful business together.

Posted 19/02/2019
Feefo Reviews
90%

of our customers would recommend our service based on Feefo

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Customer Testimonials
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We have saved £££s by switching our insurance to smei. Really easy to approach and always willing to answer queries without making you feel as though you are bothering them. We have been recommending smei to all my business colleagues.

Mrs Susan & Mr Ronald Firth

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