Shopkeeper behind a checkout desk


Convenience Store Insurance

We compare quotes from leading insurers
Over 46,000 convenience stores support their local communities across the nation, making your shop an essential part of your neighbourhood.

You need convenience store insurance that protects your general store against the unexpected so you can continue providing your customers with weekly shops, newspapers and household essentials.

We understand that every store faces different challenges and risks. That’s why we’re here to help you find a great value policy that meets your business needs.

Our dedicated team of insurance experts are on hand to help you choose the right insurance for your business. If you know the covers you need you can compare quotes from some of the UK’s leading insurers 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

Every convenience store and general store owner will appreciate what it means to work round the clock throughout the year. The ACS‘s Local Shop Report found that 22% of independent convenience store owners work more than 60 hours a week and 24% take no holiday throughout the year. Being a pillar of support for your local community is fulfilling but time-consuming. You need insurance that’s simple to set up with the assurance of quality from a provider you know and trust.

As a shop owner, you will understand the multitude of risks of running a busy store. That's why convenience store insurance can be tailored to include covers to protect against many of the risks associated with running your business to give you peace of mind allowing you to work without worry.

When deciding what insurance and covers you need to protect your business, you should consider the following:

Insurance for convenience stores can cover a number of eventualities, from injury to weather events – all of which could impact your ability to trade. The right convenience store insurance policy can safeguard your business 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 convenience shop 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 convenience store, 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.

The cost of your convenience store 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.

Premierline has many years of experience arranging risk management solutions for independent shops and franchised retailers. So, we arrange insurance for convenience stores and general stores that’s designed to offer all the protection you need.

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

  • Newsagents.
  • Cornershops.
  • General stores.
  • Co-operatives.
  • Post offices.
  • Mini-supermarkets.
  • Grocers.

Depending on your type of business, you may be interested in newsagents insurance or supermarket 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. 
“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”
Household Goods Retailer
Customer since October 2023
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.

We understand the pressure of running your own business can leave little time for much else. We’re here to offer you a range of convenience store insurance quotes tailored to your individual needs.

Premierline works with a number of insurers to help you arrange a great value shop insurance policy. Simply call us for some expert advice or compare quotes online today.

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