Supermarket Insurance

Supermarket Insurance

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Running a supermarket is a major undertaking and exposes you to a huge number of risks which could affect your business. Without adequate cover you could run into problems which can jeopardise the future of your store. Whether protecting against fire, flood, theft or claims from your customers, the right cover is essential. 

At Brisco Business we have an enviable track record providing insurance to businesses of all kinds and sizes. You can compare quotes to design a flexible, comprehensive insurance policy which protects you from all the risks you face.

Compare quotes with Brisco Business now and find a policy with covers to meet your needs.

We partner with some of the UK’s most trusted supermarket insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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Where do you mainly run your business from?

You should make sure the policy you choose meets your demands and needs during the quotation process.
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Won’t retail insurance provide me with enough cover?

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. 

How much does it cost?

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

What about operations away from the store?

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.

How can I reduce my premiums?

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. 

What insurance covers does a supermarket need?

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.

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