Post Office Insurance

Post Office Insurance

Find First Class Post Office Insurance That’s Tailored For You

Your post office is vital, a local hub relied on by your local community to provide a wide range of services. That importance, as well as the diverse range of services you offer does, however, bring risk as well as reward.

You need to think about liabilities that can arise from injury, illness or property damage affecting staff and customers, money and stock, your premises and more – not forgetting that post offices can be tempting targets for criminals.

All this means getting the right post office shop insurance is vitally important to protecting your business and the important services it provides – insurance cover that is tailored to the specific set of risks you face.

That is where we come in. At smei we’ve made it our mission to make buying the right post office insurance as easy as possible. We’ll work with you to understand your business in detail, then find cover tailored to your needs – saving you valuable time and money along the way.

You Could Save Over 20%*

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

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91% of our customers would recommend our service

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Cover Available for Post Offices**

  • Accidental damage.

  • Book debts/accounts receivable.

  • Buildings cover.

  • Business interruption.

  • Contents cover.

  • Embedded machinery breakdown.

  • Employers liability.

  • Glass.

  • Goods in transit.

  • Legal expenses.

  • Loss of rent receivable.

  • Money at home of insured or authorised employee.

  • Money on premises or in safe.

  • Money on the premises outside business hours.

  • Public and products liability.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Premiums from as little as

£441 .00

In the past 12 months our customers have paid as little as £441.00 per annum for post office insurance.

50% of our post office customers paid less than £940.49 per annum.

Why Choose smei for Post Office Shop Insurance?

We’re a specialist broker, so working with us is different to going direct to an insurer – you can expect great service, expert, unbiased advice and the help you need to find the right post office cover at the right price.

  • Get help to find an insurance policy that’s tailored to your needs.
  • Ensure you only pay for the covers you need and want.
  • Receive renewal reminders to help make sure your post office is never without insurance.
  • Rely on specialist support to help smooth the way should you ever need to make a claim.
  • Get all this for the best possible price – you could even save over 20% on your quote.*

Get a Post Office Shop Insurance Quote

We know you’re busy, so we’ve made it as easy as possible for you to find the right post office insurance quotes. All you need to do is give us some basic information about your business and we’ll find you a quote for cover that’s closely tailored to your needs.

There’s no waiting around – you can get a quote online or over the phone in minutes – and your cover can be set up immediately, without fuss.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 135 policies sold in 2022. 31 customers paid as little as £441.  

Frequently asked questions

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. 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. Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery or you may have a large amount of frozen stock that you need to insure. Speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs. The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel 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 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 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 compensation costs. 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. 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 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. For bike shops, stock insurance should be a high priority, especially given the value of the products you are selling. 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 busier seasonal periods when you may offer bikes and equipment that are more expensive or exclusive.

91% of our customers would recommend our service

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I’ve being using smei for almost 6 years now & the team always give a friendly professional service, good knowledgeable advice & are always most helpful. I have spoken to the same team members several times & I think that is really nice, they know what I need as a business & are always extremely happy to assist. I would definitely recommend smei to other businesses for their insurance needs.

Mark

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