grocer insurance

Grocery Shop 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.

You Could Save Over 20%*

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

Get a Quote

90% of our customers would recommend our service

Read More

Standard Covers**

  • Accidental damage

  • Book debts/account receivable

  • Business interruption

  • Contents insurance

  • Employers' liability

  • Glass

  • Money in safe

  • Money on premises

  • Public and products liability

Optional Covers**

  • Buildings cover

  • Embedded breakdown

  • Goods in transit

  • Legal expenses

  • Loss of rent receivable

  • Subsidence

  • Tenants improvements

  • Terrorism

Premiums from as little as

£496 .29
In the past 12 months our customers have paid as little as £496.29 per annum for grocery shop insurance.

50% of our grocer customer paid less than £1016.01 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 367 policies sold in 2021. 86 customers paid as little as £496.29.

Frequently asked questions

As a business providing food to the public, you'll be adhering to the relevant health and safety and food production measures, but things can still go wrong. You need home baking public liability insurance to cover you if, for example, someone has an allergic reaction to your food and they make a claim against you. Public liability insurance isn't a legal requirement, but it can cover the costs of any compensation due and legal fees associated with claims. 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. 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 charity shop in the event of a claim but are not compulsory. Your charity will likely to 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. 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. The cost of your insurance policy depends entirely on your needs. Our flexible policies can adapt to fit your requirements and your budget too. Multiple options may be available from our range 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 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 costs of compensation. 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. Each bike shop has varying needs of protection depending on a number of factors. Your bike shop may have a complex range of bicycles ranging from road and cyclocross bikes to mountain and hybrid bikes. 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.

90% of our customers would recommend our service

Read More

smei is always best. We have more than 10 hair salons and they never forget the renewal time, never renew the policy without asking, customer service always polite and solve any problems quickly. Also I can see all of my policies on their portal, no waste of paper, everything online. Thank you smei!

Rana Dincer

Read our latest related articles

  • Small retailers hero

    November 23, 2022

    Standing out from Your Competitors

    Business competition can be intense, and if you run a small or medium-sized business, setting it apart from your competitors can be challenging.

    Read More
  • Online Checks

    April 11, 2022

    Online Checks Could be Good News for Bricks and Mortar Retailers

    Online v high street – an age-old debate. New anti-fraud rules came into force in March, and they could be good news for the UK high street.

    Read More
  • Fish and Chip Shop Insurance from smei

    March 16, 2022

    Protecting Your Fish And Chip Shop Business

    Owning a fish and chip shop can be rewarding and hard work, and doesn’t come without its challenges and risks. It’s essential to adopt the correct health and safety procedures to minimise these risks.

    Read More

Quotes from well-known and specialist insurers, including:

Insurers smei work with

You Could Save Over 20%*
Get a Quote 03301 620 311