Business insurance for Grocers

When you run a grocers shop, insurance can help your business bounce back from incidents such as accidents and stock damage. 

Your store is a hub for the local community – something you can take as much pride in as your produce. Caring for customers and staff is likely to be important to you, but things sometimes go wrong. 

With the backing of a tailored grocery insurance policy, you can focus on filling shopping bags with quality food. 


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Why choose Hiscox for grocers insurance?


Monthly payments

We allow monthly payments and unlimited policy changes to suit your needs. This helps insurance to keep pace with your business requirements


Grocers cover from £8.40*

Tailor business insurance to your grocery shop from £8.40 

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between January 2023 and January 2024


Expert help

When you buy business insurance with Hiscox, you can access our Business Support Hub which offers discounted legal, funding and HR help

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Get a quote for business insurance and any covers you might need.

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tomatoes in a grocers

Why do grocers need insurance?

Spillage slip

Limiting plastic packaging and trying to be as eco-friendly as possible is a USP of your independent grocery store. Food produce largely comes loose or in glass jars and bottles – so, when someone drops a bottle of plant-based milk, it causes a smash and a spillage. If a customer slips before you put out the right signs and clean up, you could be blamed for an injury they sustain. Public liability insurance can help a grocers with the cost of legal defence and compensation payments. 

Cashier injury

One of your payment counters needs maintenance for loose fittings and a wobbly stool, but during busy periods you need all tills open to keep things moving. However, if a cashier falls when the stool seat snaps off, they could hurt their back and need medical treatment. Employers’ liability insurance may help with the cost of defending your grocery shop and also for resulting settlement orders if the employee decides to file a claim for the injury. 

Stolen stock

Your business needs fresh food for display stands, and you also order in specific items for regulars. Keeping stock safe is a huge part of a grocers service, so if you suffered a theft, the repercussions could be damaging without insurance. If your small storeroom is broken into, this may come at a high cost. With business contents insurance, help is at hand to replace items that are taken from you, including stock and money stored on the premises. 

What insurance is available for grocers?

Independent grocers may find personal accident insurance reassuring, while cyber and data cover can help with digital breaches and legal protection insurance can support with issues such as contractual disputes.

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These are just some of the types of business insurance we offer for grocers. We can provide other cover types and build them into a policy tailored to the needs of your business.

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Insurance for grocers: FAQs

What does grocery store insurance cover?

Grocery store insurance can cover several industry risks. A policy including public liability and employers’ liability insurance can protect your business against the impact of accidents, personal property damage, injuries and illness involving both members of the public and employees. 

Cover for property can help with theft, plus damage to grocery shop premises and stock.  

Hiscox grocers insurance may also cover a range of stores, including: 

  • Farm shops 
  • Organic food shops 
  • Health food stores 
  • Greengrocers 
  • Delicatessens 

Since we tailor policies to each business type, we can cover a variety of food shops – so even if your store type isn’t listed, get in touch with our insurance experts for a quote. 

How much does it cost to insure a grocery store?

The amount it will cost to insure your grocery store depends on the size and type of your shop, plus the number of insurance types you buy. 

Cover limits will also make a difference to the cost of your policy. For example, grocers with a storeroom would likely set a higher contents insurance limit to cover the extra stock.  

Read the Hiscox FAQ guide to learn more about how much business insurance costs. 

Can I insure my grocer shop against theft?

Adding the appropriate property cover to a grocery store insurance policy can cover your business in the event of theft. 

Hiscox business contents insurance includes theft that happens both during and outside of regular business hours. Even when there’s no evidence of forced entry to your grocers, losses can be covered by this type of insurance. 

Setting cover limits according to the stock you have at the premises can also help. 

coffee on counter

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Case study: Retail stock damage

Ensuring you have stock is essential to running your business, so what would happen if it became damaged? Read this business contents case study to discover more.