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, 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.
• 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.

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 your customers when they visit your store.

Why Choose smei for Grocery Shop 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 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 15% by using us to broker your insurance!

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^{* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.}

_{** Cover may differ dependent upon insurer.}

_{*** Data compared from 293 policies sold between November 2017 and November 2018.}

_{**** Based on 293 policies sold between November 2017 and November 2018, 194 customers paid less than £650.}