Running a grocery business involves managing multiple risks every day - from food safety and refrigeration failure to customer injuries, staff claims and stock loss. Managing these risks through separate insurance policies can be costly, inconsistent and time-consuming.
Combined or package grocer insurance brings all your core covers together into one coordinated policy, designed specifically for grocery retailers of all sizes.
Grocery retailers are exposed to multiple inter-connected risks. A single incident - such as refrigeration failure - can trigger stock loss, business interruption and even liability claims. Combined insurance ensures all these risks are aligned under one policy.
Covers your shop premises, fixtures, fittings, shelving, refrigeration units, EPOS systems and signage against fire, flood, theft and accidental damage.
Protects ambient, chilled and frozen food stock against loss, damage, theft and deterioration, including spoilage caused by refrigeration or power failure.
Covers injury or illness claims arising from your premises or food sold, including allergen exposure, contamination and labelling errors.
A legal requirement if you employ staff, covering workplace injuries and illnesses across all roles and shifts.
Covers loss of income if your grocery shop must close due to insured damage, stock loss or equipment failure.
Covers sudden breakdown of refrigeration, freezers and other essential equipment, including emergency repair costs.
Combined grocer insurance can be structured for a single shop or extended across multiple outlets under one coordinated policy.
While combined policies offer broad protection, certain risks may require extensions or careful underwriting.
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