Customer browsing in a supermarket


Grocers Insurance

We compare quotes from leading insurers
No matter what kind of grocery shop you run, insurance is a fundamental part of running a successful store. Without the right cover in place, you could be financially exposed to risks that could jeopardise the future of your business. 

That’s why we are experts in arranging comprehensive grocery insurance and greengrocers insurance from a panel of the UK’s leading insurers to give you peace of mind to work without worry. Whether you’re selling fruit and veg and looking for greengrocer insurance, or a grocery shop that requires off licence insurance; our advisors are on hand to help you find the right cover at the right price.

We understand the pressure of running your own business can often leave little time for much else. That’s why we’ve taken the headache out of arranging your insurance to make it simple and hassle free. If you know the covers you need, you can protect your business online in a matter of minutes. If you would like some advice and guidance, speak to our advisors who are always happy to help in any way they can.

If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm

Grocery shop insurance protects you against a number of events that could lead to financial losses or claims being made against you. It’s designed to protect you and let you work without worry. Without the right cover in place, you could find yourself personally liable for business losses and third party claims.
When deciding what insurance and covers you need to protect your grocery store or supermarket, you should consider the following:
Loss of profit should
you be unable to trade
Damage to your
shop-front and glass
Theft or attempted
theft of money
Loss or damage to
your stock
Employee compensation claims following an injury or illness
Claims made by members of the
public who visit your shop
Protection for your
business premises
Grocery shop insurance protects you against a number of events that could lead to financial losses or claims being made against you. It’s designed to protect you and let you work without worry. Without the right cover in place, you could find yourself personally liable for business losses and third party claims.

So which covers are most important? And how could they protect your livelihood? We’ve looked at some of the most important covers that can be included within your grocers insurance to help you think about the risks involved. After all, you never think the worst will happen to you; but can you afford not to have insurance if something went wrong?

  • 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.
  • Seasonal increase in stock - protects you against fluctuations in stock at busier times of year.
  • Product liability - helps protect businesses that produce, sell or repair products.
  • 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 against the cost of legal expenses or defending your shop against legal action.
Running a grocers carries risks and responsibilities for all those involved, from staff to suppliers to customers and neighbours. Whether you’re running a greengrocers shop, a newsagent or convenience store, the right shop insurance could be the saviour of your business if disaster strikes.

The cost of your supermarket or grocer insurance will depend on your business activities, the location of your business and the amount and type of covers you require to protect your grocers. 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 that you will never need to call on.

Any retailer will understand the risks involved in running a shop. With a high footfall of customers and a wide range of stock you need grocer insurance in case something unexpected happens. If you need simple hassle free cover to give you peace of mind, look no further. We compare grocer insurance quotes from some of the UK’s leading insurers to help you find the right cover at the right price for your business.
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. 
“We've been getting our insurance through Premierline for many years now, dealing with various staff members over the years. We've always received fabulous service from all of them, they are always friendly and super-efficient, keep you up to date, ring when they say they will, email when they say they will and make sure that you understand the policy. They will always explain different levels of insurance and advise you on anything you might be unsure about. They have access to a good range of insurance companies and always provide a competitive quote.”
Retail Business owner
Customer since January 2017
4.7/5 stars
282 customers have happily rated our service on Feefo over the past 12 months.
4.7/5 stars

Platinum award winners since 2020 for consistently delivering customer excellence.
Don't just take our word for it, read more of our customer testimonials and reviews.
All of these covers can typically be combined into one easy to buy grocery store insurance package with other additional covers included, such as money, goods in transit, freezer contents and much more. Talk to our advisors for professional insurance recommendations tailored to your business, or if you know the covers you need you can protect your business online in a matter of minutes.
If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm