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Supermarket Insurance

Tick flexible, affordable insurance off your shopping list.

As a supermarket owner, you often have a long list of jobs that need completing. From ordering stock to making sure the shop floor is clean, you’re constantly busy. However finding the right insurance policy is now something you can cross off your list.

We’re passionate about championing the high street and helping supermarkets like Your Convenience Store in Barrowford, Lancashire protect their shops (pictured above). As we’re an insurance broker, we do all the hard work for you. 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.

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.

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

* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

What Kind of Supermarkets Do You Insure?

Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery whereas a competitor may have a large amount of frozen stock that they need to insure. 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.

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 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 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.

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 (unless your employees are immediate family or your spouse). This protects you if an employee becomes injured or seriously ill as a result of working for you. For supermarkets, 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 SHOP 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 Padiham, Lancashire is one of our high street heroes.

You Could Save Over 15% With Us*

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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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