Supermarket Insurance

Supermarket Insurance & Grocery Store Cover

Tick Flexible, Affordable Insurance off Your Shopping List.

We’re an insurance broker which means we do all the hard work for you. We’re passionate about the high street and protecting businesses like Your Convenience Store in Barrowford, Lancashire (pictured above). That’s why we make it as easy as possible for you to arrange your insurance.

All you need to do is tell us what you want your supermarket insurance policy to cover. We work closely with specialist insurers to arrange a policy that protects the areas of your business that you need it to.

Whether you need high levels of stock insurance, business interruption cover, or loss of alcohol licence, we can arrange the right insurance cover for your supermarket.

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

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Cover Available for Supermarkets

  • 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.

Why Choose smei for Supermarket Insurance?

Because we’re a broker, we aim to find you a policy that protects everything you want it to. And because you won’t have to pay for cover that you don’t need, you may save money too.

We also make it easy for you to make a claim, all you need to do is pick up the phone and we’ll take the stress away for you.

Get a Supermarket Insurance Quote

We know that you’re busy which is why we’ve made it as easy as possible for you to get supermarket insurance quotes. All you need to do is give us some basic information about your business and we’ll give you a quote.

If you need insurance the same day you get your quote, just let us know and we’ll arrange that for you. Otherwise, just let us know the date you want your policy to start and that will be in place ready for you.

* Please click here to view our pricing disclaimer.

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

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.

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Fast, competitive insurance. I felt the representative really understood my needs.

Peter Reading

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