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.

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.

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^{* 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.}

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