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In order to evaluate the insurance requirements, it is important to determine the risks of operating a supermarket including coordinating the coverage from the various vendors selling their stock on the premises.

Your supermarket means a lot to the community it serves. Whether it’s two people on and off the shop floor, or staff of 20, arranging the right cover is essential – just in case something goes wrong. With Simply Business you can build a policy that protects you, your premises, and your customers, plus valuable stock and fittings. It’s quick, quality cover, without the hassle.

What insurance do supermarkets need?

Public liability insurance is often a very important cover for supermarkets, as it can protect you if someone is injured or their property is damaged because of your business.

For your shop premises, buildings insurance covers buildings you own against disasters like fire and flood. Remember that you’ll need separate cover for contents and fixtures and fittings.Just as importantly, you need to protect your stock. Stock insurance covers the cost to you of stock that is damaged, destroyed, or stolen.

Supermarket insurance policy details

  • Make sure you read your policy documents carefully in order to understand any exclusions.
  • If you rent your shop premises from a commercial landlord, check with them to see if you need your own buildings insurance.
  • If you employ people, you are legally obliged to take out employers’ liability insurance. Failure to do so could result in heavy fines.