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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.

You Could Save Over 15% With Us*

Mon-Fri: 8am - 6pm

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

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

Premiums from as little as £235.00

In the past 12 months our customers have paid as little as £235.00*** per annum for grocery shop insurance.

Over 65%**** of our grocer customers paid less than £650 per annum in the past 12 months.

 

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!

 

Terms and Conditions
* 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.

HOW DO I KNOW I AM GETTING A GOOD DEAL?

We’re a broker which means we aren’t tied to any particular insurer. We search and compare products from a number of UK insurers, so you can choose the right product for you and your business, at the right price. To offer you these insurance options, we use the strength of our market position and our close relationships with the insurers to negotiate the best possible cover and prices we can for our clients.

WHAT DO I DO IF I NEED TO MAKE A CLAIM?

Details on how to make a claim can be found in your policy documentation, however please feel free to contact us on 0330 134 4606 or email claims@pclaims.co.uk if you have any queries or would like some assistance.

WHAT IF MY INSURANCE REQUIREMENTS CHANGE DURING MY POLICY TERM?

If something about your business or property changes, you may need to amend your policy. We can make the changes over the phone and update your cover as necessary. For example, if you wanted to fit an ATM machine in your shop, you should call us to check how it affects your insurance policy. It is always worth calling to check how changes to your business might affect your cover. Some alterations may increase your risk factors and if you have to make a claim, you might have voided your policy by not informing us of changes.

What grocers is featured on this page?

We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Cartmell's Greengrocers in Padiham, Lancashire is one of our high street heroes. Learn more here: www.padiham.org.uk/businessdirectory/cartmells-greengrocers/

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Cover if your stock or materials are lost, stolen or damaged

Cigarettes and Tobacco

£

Photographic Equipment

£

Wines and Spirits

£

Clothing

£

DVDs, Blu-rays, CDs and Video Games

£

Jewellery

£

Electrical Equipment

£

All Other Stock

£

Please enter amount

£

This may include movable furniture, fixtures and other equipment with no permanent connection to the structure of the building.

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£

If you are a tenant you will be responsible for any improvements you have made.

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£

If yes, please enter amount. How much would it cost to rebuild your shop if it was badly damaged or destroyed entirely?

£

You Could Save Over 15% With Us*

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Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

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No words can express how great this company is. Whether I have had to make a claim or renew their service has always been impeccable.

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