Grocers Insurance | Business Insurance for Grocery Stores

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.

You Could Save Over 30%*

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

Get in Touch

03301 620 311

Accidental damage.
Book debts/accounts receivable.
Business interruption.
Contents insurance.
Employers liability.
Glass.
Money on premises or in safe.
Money on the premises outside business hours.
Public and products liability.

Buildings cover.
Embedded breakdown.
Goods in transit.
Legal expenses.
Loss of rent receivable.
Subsidence.
Tenants improvements.
Terrorism.

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.