Grocers insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for grocers?

Claims against your business for:

• damage to someone’s property, caused by your business activities
• illness or injuries as a result of your business
• employees causing accidental damage or injuries

For example:

• while hosting a meeting, you leave a cable running across the open office floor and your client trips, spraining their ankle
• you serve a client sandwiches with a trace of sesame seeds, causing an allergic reaction
• your employee drops heavy equipment on your client’s floor, causing extensive damage

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your grocers

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury that happens as a result of working for you (including temps and casual workers)
• an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is usually required by law if you employ anyone – including part-time staff, temporary workers, and in most cases, volunteers. Without it, you could be fined up to £2,500 for every day you don’t have cover in place. A main exemption is unincorporated family businesses where all your employees are family members.**

For example:

• your employee injures their lower back while moving furniture at your premises and holds you responsible
• an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
• a member of staff trips over while unloading business equipment, injuring their knee

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by [business contents insurance] or [business equipment insurance?

Claims against your business for:

For example:

• a faulty toaster causes a fire in your office kitchen, badly damaging the oven and microwave
• a three-piece sofa suite is ripped by vandals and needs replacing
• thieves break into your office and steal three tablets used by your sales team

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Read more about business contents insurance

Read more about business equipment insurance

Business legal insurance

In case you’re hit with legal expenses connected to your grocers.

What’s typically covered by business legal insurance?

Claims against your business for:

• VAT disputes
• theft of your company’s identity illegally
• compensation under data protection legislation

For example:

• HMRC is investigating your VAT affairs, triggered by seemingly incorrect figures on your return
• a fraudster steals your company’s bank details and buys goods to set up a new line of credit with banks or retailers
• a client is claiming you didn’t process their data in accordance with GDPR, and is seeking compensation

Read more about business legal insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• damage to (and loss of) stock, following fires, floods, or vandalism
• theft of stock following a break-in
• costs involved with replacing the stock you need to operate

For example :

• flooding in your storage unit destroys your stock
• you make a big Christmas order that’s stolen while you’re speaking with a supplier
• someone drives into your shop, smashing the windows and destroying a week’s worth of stock

Read more about stock insurance

Buildings insurance

In case something happens to your business premises.

What’s typically covered by business building insurance?

Claims against your business for:

• damage to the structure of your building if there’s been a fire, flood, or vandalism
• contents, fittings, and equipment if they’re damaged by an event like a fire or flood
• repair and rebuild costs

For example:

• your shop’s wooden floor is damaged during a flood and needs replacing
• your employee damages an interior wall installing new equipment, as well as a glass door
• after a pipe bursts, you need to spend lots of money replacing flooring

Read more about business buildings insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What’s typically covered by excess insurance?

Claims made by you for:

• when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess

For example :

• strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
• a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
• a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance