Grocery Store Insurance

The cost of your policy depends on your needs. Our policies are flexible and can adapt to fit your requirements. So, whether you're a small village shop or a large, out-of-town retailer we can match you with the policy you need. For example, multiple options may be available from our panel of insurers - each with different features and prices. We will present you with the possibilities so you can make an informed decision on which option is best for you.

As you constantly have members of the public filtering in and out of your shop, public liability insurance is crucial. This type of insurance protects you if a member of the public is injured or their property is damaged on your premises. Your contents and stock are your livelihood and protecting them will ensure your business doesn't suffer. Contents insurance protects your goods in the case of theft, damage or devastation such as fire and floods. If you have employees, you are required by law to have employers liability insurance (unless your employees are immediate family or your spouse). This protects you if an employee becomes injured or seriously ill as a result of working for you. Finally, you may want to consider financial protection and business interruption cover. Financial protection ensures that cash on your premises is safe. Similarly, business interruption cover is necessary to protect you in the event your shop is closed due to damage.

There is a wide range of optional cover available depending on your needs. If you own your shop premises, then you will need buildings insurance to protect your bricks and mortar. If, however, you rent your premises, check with your landlord to see if your building is covered. We can arrange flexible policies that match your needs - all you have to do is tell us what your key risks are and what you need covering, and we'll do our best to arrange appropriate cover at a competitive price.

Some types of insurance may be a legal requirement. Others will protect you and your business in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your business 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 business 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.