Business Insurance

Specialist Supermarket Insurance

Supermarket insurance designed around your business

UK supermarkets come in all shapes and sizes and serve our communities around the clock. With a heavy public footfall through the doors, staff, health and safety, buildings, stock and contents to consider, it’s not surprising that supermarket insurance can be a minefield. Not at Highworth Insurance; as specialist insurers, we can carefully tailor a policy to suit your business and deliver the peace of mind you need, at sensible premiums.

Just as supermarkets cater for a diverse range of shopper’s requirements, at Highworth Insurance we have a wide range of supermarket insurance options; all designed to suit your needs and structured in a way which lets you choose precisely what you need. We also have Specialist Advisors on hand to help you with this, to be sure you have the right cover at the right price:

  • Buildings insurance cover including flats that may exist above the supermarket.
  • Public liability insurance cover up to £2m for any shoppers to cover those ‘slips and trips’.
  • Product liability insurance to cover the sale of any unsafe goods up to £2m.
  • Employee liability insurance for anyone helping you in the business up to £10m.
  • Stock cover including up to a 25% increase at Christmas.
  • Contents insurance for general business items such as furniture and IT equipment.
  • Legal expenses cover to assist in any Health and Safety at work act 1974 issues.
  • Alternative accommodation and business interruption insurance, to cover costs in the event of a relevant claim.
  • Up to £1,000 cover for damage to fixed signs or loss of keys

Supermarket insurance package – including public, product and employee liability

As specialist insurers we are very aware of the possible pitfalls in running a busy supermarket, from dealing with the public, to health and safety legislation and legal obligations to staff.

There is a raft of cover which supermarket owners need in place to cover themselves and their business should they run into difficulties involving: public liability requirements, food hygiene, fire procedures, health and safety regulations or employee liability issues. Plus given the wide range of goods stocked by supermarkets, there is also product liability to consider.

As an independent, family run firm, Highworth Insurance can help deliver a carefully tailored supermarket insurance package, designed around you and your business.

Dependable supermarket insurance that can include the following:

  • Buildings insurance– you may own the building where your supermarket operates. It normally makes sense to insure the complete building as part of your supermarket insurance package, to ensure there are no gaps in cover. This can cover rental flats and other occupied parts of the building. Options can include: accidental damage such as breaking sanitary wear or putting a foot through a ceiling. Also we are adept at insuring unusually constructed properties, including listed or converted properties or those having a history of subsidence or flooding. These can often be covered with little or no increase in cost.
  • Business contents insurance – your business contents may cover a wide variety of assets. From simple items like furniture and PC’s through to expensive fixtures and fittings.
  • Stock insurance – cover for your stock is important in a wide range of circumstances. Cover in the event of theft and break-in is obviously crucial, but there also damage from smoke, fire and flooding to consider, for example should your premises suffer vandalism, fire or water damage from a burst pipe.
  • You are legally obliged to have public liability insurance and it relieves the strain of worrying should your customers trip, slip or come to harm at your supermarket.
  • Product liability insurance gives you a safety net should you sell something in an unsafe condition, especially when the manufacturer may not be liable.
  • Employee’s liability insurance – this is applicable to anybody; whether a shop assistant or cleaner, if they are working for you, you take on the associated employer liabilities, including meeting the requirements of the Health and Safety at work act 1974.
  • Business interruption and alternative accommodation costs in the event of a relevant claim.
  • Up to £1,000 cover for loss of keys or damage to fixed signs and glass.
  • Legal expenses cover helps in those difficult disputes.
    • Supplier contractual disputes for the sale and supply of goods.
    • Employment issues concerning contracts of employment or any employment related legislation.
    • Defence of criminal prosecutions and appeals against Improvement Notices under the Health and Safety at Work Act or the Food Safety Act.

Convenient cover for a convenience store

Experienced in dealing with all aspects of retail and supermarket insurance, our Specialist Advisors are available to discuss the individual requirements of your business. We can then tailor an insurance package to meet your needs, ensuring you are only paying for the cover you require at our most competitive premiums.


Kindly be advised that not all options are available on all policies. We recommend that you carefully check your policy summary and policy wording for the exact cover applicable to your circumstances.

Call for a quote

01202 937430

Mon-Fri: 0900 – 1830

Sat: 0900 – 1230

Our specialist advisors will be happy to help with any questions you may have.

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