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.

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Our Solution for You

SME Insurance Services has access to a number of products provided by a panel 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.

You Could Save Over 10% With Us*

Mon-Fri: 9am - 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 £210.00

In the past 12 months our customers have paid as little as £210.00*** per annum for convenience store insurance.

60%**** of our convenience store customers paid less than £800 per annum in the past 12 months.

Why Insurance is Important for Convenience Stores

Convenience stores 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.


Terms and Conditions
* We randomly surveyed 50 policyholders (2.36%) who obtained cover through us between April 2017 and October 2017. 60% made a financial saving by moving to SMEi, with an average saving of 13.5%. This data excludes commercial and residential insurance for landlords.

** Optional cover may differ dependent upon insurer.

*** Data compared from 1337 policies sold between January 2016 and January 2017.

**** Based on 1337 policies sold between January 2016 and January 2017, 802 customers paid less than £800.

You Could Save Over 10% 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: 9am - 6pm

Related FAQs See all FAQs

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.


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.


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

Feefo Reviews
Based on 115 reviews

90% of our customers would recommend our service.

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

Mrs Susan & Mr Ronald Firth

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