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We know running a supermarket, off-licence, newsagents or grocery store is hard work. Especially in the ever-changing retail environment.
Despite doing so much to make your business a success, sometimes things go wrong. That’s where our personalised insurance for shops such as supermarkets can safeguard your business and protect you. If a customer trips on some boxes or your premises become unusable due to a burst pipe, your business will be in trouble.
Enjoy the peace of mind that, should the unexpected happen, we’ll be there to get your business up and running again as quickly as possible.
We know there are many variations between the 500,000 small businesses we already insure.
We also understand the difference between supermarkets, off-licences, and convenience stores, so unlike some insurers that offer an ‘off-the-shelf’ policy, you can personalise your insurance so that you only pay for what you need. For example, if you don’t have staff, you can leave employers’ liability off your policy. Or if you hold lots of cash at your premises, you can choose to insure against theft of takings.
The retail world is constantly changing. To help combat this, convenience store owners invested £814m last year to improve their shops and attract customers. All of which might mean updating insurance policies to stay covered.
To make this easy for you, you’ll have just one policy and one renewal date that you can change whenever you need, without amendment fees.
So if you purchase an expensive new till and want to protect it, or if business is booming and you need to insure more stock, you can easily add these onto your policy.
To further simplify things, if you own multiple premises, you can put them all on one policy. Plus, your documents are available to download instantly, should you need to quickly display them in your shop.
You can add any of the below cover options to create an insurance policy that’s tailored to your business needs. These covers are subject to policy conditions and limits.
To insure you against the core risks associated with your business, public and product liability cover comes as standard with our insurance policies. We can cover you from £1 million to £10 million (subject to criteria) if someone sues you because they were injured on your premises, hurt by your products, or if you damage their property.
All it takes is for someone to trip on a hidden step while entering your supermarket or slip on something spilt in your off-licence.
If you own your shop, you can insure the building on your business policy. Should your premises be damaged due to an insured event, such as a flood or fire, we’ll pay for the costs of repair or rebuilding them. This also includes debris removal and architect fees.
If you rent, you can choose to insure just the fixtures and fittings if you’ve added things like shelving and counters, or just your shop front if you’re responsible for that as a tenant.
We understand your stock is often the lifeblood of your business. And that protecting it is very important to you. With contents and stock cover, you’ll be able to replace your stock should something happen, whether it’s stolen or damaged by a flood for example. What’s more, we'll give you an extra 25% of stock cover for two months of your choosing, as standard. Perfect for busy periods such as Christmas.
The contents side also means electrical items like expensive tills, furniture and other important equipment is covered.
If you take on staff, employers’ liability insurance is often legally required. It covers your legal costs in case an employee is injured, while lifting stock for example, or if they fall ill as a result of the work that they do for you. You’ll receive £10 million of cover as standard with us.
There are some exceptions to legally having to take out employers’ liability insurance, which you can read about here.
Our equipment breakdown cover further includes repairing or replacing equipment that forms part of your building, providing the damage isn’t due to wear and tear. This could be anything from a broken boiler to a faulty fire/burglar alarm.
You’ll need buildings or contents cover in order to receive equipment breakdown cover.
Losing hundreds or thousands of pounds can seriously impact your supermarket or shop. If you handle lots of cash during the day, theft of takings covers you in case it’s stolen from you, your premises or a member of your staff.
Whether you run a village greengrocers or an off-licence in town, if your premises become unusable it can severely affect your business, and you. With business interruption cover, if your building can’t be used due to an insured event like a fire or flood, you can claim for loss of revenue and relocation costs.
We can also cover you if your main supplier can’t trade because their building, stock or equipment is damaged, resulting in a loss of business for you, up to a limit of £50,000.
With our legal expenses cover, we’ll pay the costs for providing a specialist lawyer, should you need help with a common legal problem, for instance a supplier dispute.
If you’re the victim of a malicious hack or attempted hacking, cyber cover will pay for the loss of income and any investigation costs. This could be critical if you’re an online trader, but also important if you use a computer for anything related to your business.
We can also assist you with managing a cyber incident. From providing you access to specialists in crisis management and public relations, to advice for preventing future incidents.
Get a quote, talk to us via live chat or call us on
0345 605 9168.
Visit our contact us page to view our opening hours.
We cover shops such as:
If your type of business isn’t listed above it doesn’t mean we won’t cover you. Simply give us a call on 0345 8785 622, or start a web chat, to see if we can.
At the moment we don’t insure:
Our policies are constantly being reviewed and developed. If we can’t cover you now, hopefully we’ll be able to in the future.
© 1999- U K Insurance Limited
Direct Line insurance policies are underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810. The Financial Services Register can be accessed through www.fca.org.uk. Calls may be recorded.
