Butchers insurance

Using machinery can be risky, and supplying food requires extra diligence and care. Insurance for butchers can cover a number of eventualities, from injury to weather events – all of which could impact your ability to trade. The right butchers insurance policy can safeguard your livelihood to let you work without worry. You never know what is around the corner, so shop insurance should be a fundamental part of your business plan to ensure business continuity, should something unfortunate happen.

If you employ a team, then you will need to take out employers’ liability insurance to safeguard your employees against accidents at work.

At Premierline, we offer flexible butchers insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your butchers shop, you should consider the following:

• Public liability – for injured shop visitors or damage to their property.
• Employers’ liability – to protect your shop employees.
• Buildings cover – to cover for loss or damage to your shop premises.
• Equipment, contents, and stock – to reinstate your items and belongings.
• Business interruption – to keep finances running when disaster strikes.
• Money cover – for theft or attempted theft.
• Goods in transit – to cover for loss or damage to stock when in transit, loading, or unloading.
• Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

More information

The cost of your butchers shop insurance will depend on your shop activities, the location of your business and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope you will never need to call on.

We are committed to finding you the right insurance for your business. We have many years of experience sourcing insurance for butchers, so whether you’re preparing or selling meat at retail premises or selling your products to other businesses and hospitality; we can arrange a butchers insurance policy that is tailored to your business needs. As careful as you may be, accidents do happen, and that’s where we can help to protect your business.

As a business insurance broker, we can arrange insurance for a range of different butchers businesses. Such as:

• Traditional butcher shops that usually prepare and sell produce from a shop.
• Commercial butchers that prepare and sell to other shops, hospitality, and restaurants.
• Butchers that also sell additional products such as delis or farm shops.
• Butchers that also specialize in catering such as hog roasts or BBQs.

Depending on your type of business, you may be interested in food manufacturing insurance, wholesalers insurance or delicatessen insurance.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.