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Supermarket Insurance

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 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.

 

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 a quote. 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.

You Could Save Over 15%*

Mon-Fri: 8am - 6pm

Call our team to receive your free, no obligation quote today.

Quote line: 0330 134 4564

Cover Available for Supermarkets

  • Accidental damage.

  • Public and products liability.

  • Employers liability.

  • Contents cover.

  • Buildings cover.

  • Business interruption.

  • Money on premises or in safe.

  • Money on the premises outside business hours.

  • Money at home of insured or authorised employee.

  • Goods in transit.

  • Glass.

  • Legal expenses.

  • Book debts/accounts receivable.

  • Loss of rent receivable.

  • Tenants improvements.

  • Subsidence.

  • Terrorism.

  • Embedded machinery breakdown.

* 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.

What Kind of Supermarkets Do You Insure?

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.

Why Do I Need Supermarket Insurance?

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.

What Supermarket Insurance Cover Do I Need?

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.

What Optional Cover is Available?

As we work with a panel of specialist insurers, we can arrange the insurance you want and need. All you need to do is tell us what you would like including in your policy and we will arrange that for you.

How Much Does Supermarket Insurance Cost?

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.

What supermarket 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. Your Convenience Store in Barrowford, Lancashire is one of our high street heroes.

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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.

Please enter amount

£

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

Please enter amount

£

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*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

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

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

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