Supermarket Insurance

A supermarket is a vast operation and you need a big enough policy to provide the cover you need. For example, you might have to cover all frozen stock, protect against accidents which may happen on site and cover any operations which take place away from the store, such as deliveries or installations. Each store will be unique and have its own set of risks, so it’s vital you work closely with the insurer to make sure you have all the cover you need. 

As with other types of insurance cost is determined by the scale of the business, revenue, number of staff and your past claims history.

A supermarket is not always confined to the bricks and mortar of the shop floor. You may have teams of people operating away from the premises delivering goods or performing installations. You may need additional specialist features to provide all the cover you need for every type of work you and your staff carry out. You may not be able to get a quote for this online but you can contact our team for specific insurance.

There are some things you can do to reduce your exposure and also your premiums, such as installing the highest standard of security systems. Insurers may also offer a better premium if you have a long track record of never making a claim. 

The most important cover for a supermarket is public liability insurance as it protects you should a customer sustain an injury on your premises or a property is damaged as a result of your business. Your supermarket insurance policy should also include buildings insurance in case of a fire or flood which destroys your premises (if you own your premises, otherwise it will be insured by your landlord), stock insurance to protect your shop if anything is stolen, and employer’s liability insurance to cover your staff.