Any shop that sells groceries at any scale will face numerous risks every day. Grocery shop insurance can cover you for many of the risks associated with stocking and selling groceries to the public, ensuring you will be able to bounce back from any unexpected event.

Key risks for supermarkets and greengrocers include:

• Your stock could spoil in storage, or it could be lost or damaged due to fire, flood, or theft.
• Customers could slip, trip, or fall while shopping at your store.
• Thieves could attempt to steal cash you store on the premises, or else target your cash as it is in transit to the bank.
• You may have to issue a product recall due to issues with your stock. Customers may develop an illness, or suffer an allergic reaction, having consumed a compromised product they bought from you.

We can work with you to build the cover your specific shop needs, which will often include:

• Public Liability Insurance – If a customer or another member of the public slips or trips while visiting your store, public liability insurance can cover any legal fees or compensation payments that may arise.
• Stock Insurance – This can cover any stock you store on your premises for losses due to spoiling, fire, flood, or theft. You can also get product liability insurance, which can help to cover the expenses associated with product recalls, and any associated costs that may arise.
• Employer’s Liability Insurance – You have a legal duty to get employer’s liability insurance to cover your staff for any accidents or injuries they experience while working for you.
• Buildings and Contents Insurance – This can cover your retail premises, along with any furniture, fixtures, and fittings, for any loss or damage due to fire, flood, theft, and other incidents. You can also get business interruption insurance, which can cover your overheads should you ever have to temporarily close following an incident.