Grocers and Greengrocers Insurance from smei

Grocer Insurance

Your produce is central to the running of your business so insuring it against unexpected events and accidents is imperative.

Get a fast, no obligation quote which could save you over 20%* 0330 134 4564 Get a quote

Grocery Store 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 20% With Us*

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

Phone lines are available Mon-Fri: 9am - 5pm

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 £209.88

In the past 12 months our customers have paid as little as £209.88 per annum for grocery shop insurance.

50% of our grocer customer paid less than £515.70 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!


Terms and Conditions
* Click here to view our pricing disclaimer.

** Cover may differ dependent upon insurer.

*** Data compared from 1726 policies sold in 2020.

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business.



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.


Details on how to make a claim can be found in your policy documentation, however please feel free to contact us on 0330 134 4600 if you have any queries or would like some assistance.


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.


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:

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Feefo Reviews

of our customers would recommend our service based on Feefo

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Customer Testimonials
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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.

Mr Mahmood Ahmed

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