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Grocer Insurance

Your produce is central to the running of your business so insuring it against unexpected events and accidents is imperative.

Our flexible approach to tailor made policies and our ability to cater for “non-standard” risks, means that we may still be able to provide a policy to cover your business needs even if your particular circumstances may not be looked on favourably by some insurers.

Business insurance is important no matter what type of grocery store you own; be it a large mini-market or perhaps a small village store, as it protects your business against some of the risks and issues you face. Greengrocers, like Cartmell’s Greengrocers in Padiham, Lancashire (picture above), are often at the heart of the high street.

Our insurers may be able to offer cover for:

  • 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 £152.00

In the past 12 months our customers have paid as little as £152.00*** per annum for grocer insurance.

56%**** of our grocer customers paid less than £600 per annum in the past 12 months.

Why Insurance is Important for Grocers

Much like any other business, you may need to take out employers liability insurance to protect you, should your employees be injured whilst working. Additionally to this, you may require public liability cover should something happen to customers when they visit your store.

About the Food Retail Industry

Whilst customers today have more and more choice in where they buy their groceries, the truth is that there are still grocers up and down the country providing specialist services.

Although grocers mainly stock fresh fruit and vegetables, due to the competition from supermarkets they have needed to adapt over recent years to differentiate themselves. Many have branched out to become stockists of other fresh produce including cheese, deli meats, and even tinned goods too.

Usually grocery stores are found on high streets in towns and villages throughout the country, offering a local service to those who live there. More often than not, they are owned and run by one family for a number of generations, much like butcher shops and bakers.

If you do decide to open your own grocery store then it is important that you think about all of the things that you should do in order to set up not only a successful business but one that can provide a service for many years to come.

 

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 388 policies sold between January 2016 and January 2017.

**** Based on 388 policies sold between January 2016 and January 2017, 217 customers paid less than £600.

HOW DO I KNOW I AM GETTING A GOOD DEAL?

smei acts as a broker and we are not tied to a particular insurer. We give our customers the ability to search and compare products from a number of UK insurers, so you can choose the right product for you and your business, at the right price. To offer you these insurance options, we use the strength of our market position and our close relationships with the insurers to negotiate the best possible cover and prices we can for our clients.

WHAT DO I DO IF I NEED TO MAKE A CLAIM?

You will need to contact the claims department on 0330 134 4606 or email claims@pclaims.co.uk.

WHAT IF MY INSURANCE REQUIREMENTS CHANGE DURING MY POLICY TERM?

If something about your business or property changes, it may require you to adjust your policy. We can make the changes over the phone and update your cover as necessary. For example, if you wanted to fit an ATM machine in your shop, you should call us to check how it affects your insurance policy. It is always worth calling to check how changes to your business might affect your cover. Some alterations may increase your risk factors and therefore should you have to make a claim, you might have voided your policy by not informing us of changes made.

WHAT GROCERS IS FEATURED?

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. Cartmell's Greengrocers in Padiham, Lancashire is one of our high street heroes. Learn more here: www.padiham.org.uk/businessdirectory/cartmells-greengrocers/

You Could Save Over 15% With Us*

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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

Feefo Reviews
92%

of our customers would recommend our service based on Feefo

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Customer Testimonials
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No words can express how great this company is. Whether I have had to make a claim or renew their service has always been impeccable.

Mr Mahmood Ahmed

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