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Grocery Store 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 grocery insurance 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 a small village store, as it protects your business against some of the risks and issues you face. Greengrocers 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.
  • New 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.

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Premiums from as little as

£589

In the last 12 months our customers have paid as little as £589 per annum for grocery shop insurance. That’s just £11 per week!

50% of our grocery shop customers paid less than £1,322 per annum.***

Why Business Grocers Insurance is Important

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 your customers when they visit your store.

Why Choose smei for Grocery Store Insurance

Whether you have unique circumstances that make it hard for you to find the right insurance or just need a standard policy, we can help.

We work with a special range of expert insurers so we can be flexible in finding you a grocers' insurance policy that covers everything you want it to.

This also means that we can find you the best possible price too. In fact, you could save over 20% by using us to broker your insurance!

* Please click here to view our pricing disclaimer.

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

*** Data compared from 313 policies sold in 2023. 71 customers paid £589 or less, which represents 23%. £11 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

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.


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