Grocers Insurance | Business Insurance for Grocery Stores

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 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 30%*

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

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03301 620 311

Accidental damage.
Book debts/accounts receivable.
Business interruption.
Contents insurance.
Employers liability.
Glass.
Money on premises or in safe.
Money on the premises outside business hours.
Public and products liability.

Buildings cover.
Embedded breakdown.
Goods in transit.
Legal expenses.
Loss of rent receivable.
Subsidence.
Tenants improvements.
Terrorism.

Premiums from as little as

£589

In the last 12 months our customers have paid as little as £589 per annum for grocery shop insurance. That’s just £11 per week!

50% of our grocery shop customers paid less than £1,322 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!

* Please click here to view our pricing disclaimer.

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

*** Data compared from 313 policies sold in 2023. 71 customers paid £589 or less, which represents 23%. £11 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

Frequently Asked Questions

The cost of your policy depends on your needs. Our policies are flexible and can adapt to fit your requirements. So, whether you're a small village shop or a large, out-of-town retailer we can match you with the policy you need. For example, multiple options may be available from our panel of insurers - each with different features and prices. We will present you with the possibilities so you can make an informed decision on which option is best for you.

As you constantly have members of the public filtering in and out of your shop, public liability insurance is crucial. This type of insurance protects you if a member of the public is injured or their property is damaged on your premises. Your contents and stock are your livelihood and protecting them will ensure your business doesn't suffer. Contents insurance protects your goods in the case of theft, damage or devastation such as fire and floods. If you have employees, you are required by law to have 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. Finally, you may want to consider financial protection and business interruption cover. Financial protection ensures that cash on your premises is safe. Similarly, business interruption cover is necessary to protect you in the event your shop is closed due to damage.

There is a wide range of optional cover available depending on your needs. If you own your shop premises, then you will need buildings insurance to protect your bricks and mortar. If, however, you rent your premises, check with your landlord to see if your building is covered. We can arrange flexible policies that match your needs - all you have to do is tell us what your key risks are and what you need covering, and we'll do our best to arrange appropriate cover at a competitive price.

Some types of insurance may be a legal requirement. Others will protect you and your business in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your business 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 business 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.