Grocers & supermarket insurance

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.

More information

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.