Insuring your grocery store can seem like a hassle, here at Endsleigh we’re here to help make the process as stress free as possible and make sure your insurance is personalised to your business.
Your grocery insurance policy will cover you for both employer’s liability and public liability insurance as standard. This will cover you if, for example, a customer were to obtain food poisoning and were to claim against you for compensation. This comes as standard at £2 million but can be extended up to £5 million depending on your insurance needs.
In addition to cover for your stock and contents our grocery store insurance also includes options for buildings, tenant’s improvements and goods in transit.
If one of your refrigerators or another key item of equipment were to breakdown it may cause you financial loss due to loss of income, Endsleigh’s grocer insurance policies come with equipment breakdown cover as standard. This means we can cover you for both the cost of fixing or replacing the equipment, as well as covering the cost of loss of gross profit allowing you to return to your full capacity as quickly as possible.
In the event you’re unable to trade or operate from your grocer premises due to an insured peril, such as water damage due to a burst pipe, your policy includes business interruption insurance covering you for loss of gross profits for 12 months as standard. This can be extended to 36 months if that is required.
If your grocery store holds a licence to sell alcohol you may wish to take advantage of our ‘loss of licence extension’. This means that you’ll be covered for financial loss to your business should your licence be revoked through no fault or action of you or your employees.
Our specialist team is here to help ensure you are covered with the right policy for you. You can obtain your quote for grocery insurance in two easy ways, either by clicking on the banner above which will take you directly to our online quote service or by calling us on 0800 121 4407 where a member of our team will be able to take you through the quote and allow you to feel secure knowing you have the correct grocer business insurance in place.
