Grocery & Food Retail Shops Insurance

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Cover for grocers, butchers, delis & specialist food retailers — stock, liability, equipment & interruption

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

FOOD RETAIL INSURANCE THAT HELPS YOU KEEP TRADING

Why Food Retail Insurance Matters

Food shops handle perishable goods, temperature-controlled stock and higher hygiene/liability exposures. The right cover protects your premises, refrigerated stock, staff and customers — and helps you recover quickly after unexpected incidents.

Core Covers for Grocery & Food Retailers

Tailored protection for grocers, butchers, delis, farm shops and specialist food outlets.

  • Buildings insurance (if you own the premises)
  • Shop contents (fixtures, fittings, counters, shelving)
  • Stock cover (chilled, frozen & ambient)
  • Theft, vandalism & malicious damage
  • Business interruption / loss of income
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Food Retail Risks We Help You Insure

  • Refrigeration or freezer breakdown (stock spoilage)
  • Power failure and temperature fluctuation losses
  • Slips, trips & falls in-store (public liability)
  • Food poisoning or allergen-related claims
  • Employee injuries (cuts, slips, manual handling)
  • Fire, flood and water damage to premises & stock
  • Shoplifting, cash theft and break-ins
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Why Choose Insure24

  • Specialist advice for grocery & food retail risks
  • Flexible cover for single shops or multiple locations
  • Help setting correct stock sums insured (incl. seasonal peaks)
  • Competitive premiums from a panel of UK insurers
  • Friendly support from quote to claim
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When our freezer failed overnight, the stock loss could’ve crippled us. Insure24 helped us arrange the right cover and guided us through the claim.

Food Retail Owner, UK

UNIQUE INSURANCE
TAILORED FOR YOU 

PROTECT YOUR SHOP

  • Loss or damage to stock, counters, shelving and displays
  • Refrigeration / freezer breakdown and deterioration of stock
  • Public & product liability claims (including food-related)
  • Loss of your net profit after an insured event
  • Your legal defence costs and damages you’re legally liable to pay
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FREQUENTLY ASKED QUESTIONS

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Do grocery shops and food retailers need specialist insurance?

Yes. Food retailers often need cover that accounts for perishable stock, refrigeration reliance, hygiene risks and higher liability exposures than non-food shops.

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Does insurance cover spoiled stock if a fridge or freezer breaks down?

Usually, this is covered under “deterioration of stock” or “refrigeration breakdown” extensions. It’s important to set correct stock sums insured and understand policy conditions.

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Can public & product liability cover food poisoning or allergen claims?

It can, provided the policy is arranged correctly for food retail and you comply with hygiene/allergen procedures. We’ll help ensure your activity and products are accurately described to insurers.

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Is employers’ liability insurance required for food shops?

Yes. If you employ anyone (including part-time staff), employers’ liability is generally a legal requirement in the UK.

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Can you cover butchers, delis, farm shops and specialty food retailers?

Yes. We can arrange tailored cover for specialist food retailers, including higher-risk activities (e.g., fresh meat handling) and higher-value chilled/frozen stock.

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What details do I need to get a quote?

Typical info includes shop postcode, turnover, number of staff, stock values (including refrigerated), security details, claims history and whether you own or rent the premises.