Compare grocer insurance

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 green grocers 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 green grocer 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.

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We work with some of the UK's leading insurers

  • Allianz Business Insurance
  • Aviva Business Insurance
  • AXA Business Insurance
  • Covea Business Insurance
  • Hiscox Business Insurance
  • LV Business Insurance
  • NIG Business Insurance
  • QBE Business Insurance

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Protecting your grocery store business

Running a grocers carries risks and responsibilities for all those involved, from staff to suppliers to customers and neighbours. Whether you’re running a green grocers shop, a newsagent or convenience store, the right shop insurance could be the saviour of your business if disaster strikes. 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?

Grocers liability insurance

One fundamental aspect of your grocers insurance is liability cover. With customers, suppliers and clients visiting your premises daily, you need public liability insurance to cover medical and legal costs as well as any claims for compensation should someone have an accident at your business premises.

Likewise you will need to ensure the safety of your employees while they are at work. If you’re an employer you are legally required to have employers’ liability to protect your staff while they are at work. Accidents happen when you least expect and compensation claims can be costly. By including this within your insurance policy you can work safe in the knowledge that should something happen, your business is protected. This element of cover is required by law even if your staff work on a casual basis, and without employers’ liability in place your business could be fined for each day you’re not covered.

Grocers property cover

Taking care of your liability towards others involved in your business is essential; but so is protecting your property. Buildings and contents can typically be included within your grocer’s insurance policy to protect against perils such as fire, flood, storm and theft. Your insurance policy can also include cover for your shop front and windows as well as additional security features such as alarms and shutters.

Business interruption insurance for grocers

Additionally, business interruption should be considered to compensate for loss of income if you suffer damage to your business property. If you had a fire or flood that forced you to stop trading for a while, this invaluable cover could pay your fixed expenses and cover your loss of profit while you get back on your feet. It’s important to consider how long it would take you to get back up and running if for instance everything was destroyed in a fire. This cover could be the lifesaver of your business following a major disaster.

Grocers legal protection

Most insurers nowadays will include commercial legal protection within their grocers insurance policy offering protection against a number of events such as tax and VAT disputes, commercial tenancy disputes and much more.

Comprehensive grocers insurance

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.

Covers to consider:

  • Buildings, contents and stock
  • Seasonal increase on stock
  • Public and products liability
  • Employers' liability
  • Goods in transit cover
  • Money cover

"The questions were straightforward and the adviser explained anything I wasn't sure of clearly. The whole process was quick and easy with an immediate quote at the end. Within about 15 minutes I had completed the questions, received my quote and my insurance was all set up. Thank You!"

Mrs Curtis Mobile Beautician, Lowestoft (Customer since January 2018)

"They were able to provide a bespoke package so that I only got cover for what I needed as opposed to all the unnecessary parts of a standard package policy. The staff were very polite and willing to listen to my needs.”"

Mr Livesey, Newsagents, Kendal (Customer since August 2017)

"Professional, efficient, friendly and thorough service. They fully understood my specific business requirements, and sorted out an insurance policy which not only exceeded my previous cover, but was also a lot cheaper."

Mr Jones, Gym/Health Club, Essex (Customer since January 2018)