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Insurance ready in minutes

If you’re a skilled butcher, baker or cheese maker your small business pretty much starts and ends with your buildings and stock. If something happened that meant you couldn’t open, like a freezer failure, fire or flood, you could quickly find yourself in financial hot water. Thankfully, we provide fast specialist food shop insurance precisely with small business owners like you in mind.

Our panel of insurers offer cover for your equipment and tools, and pay out for frozen or chilled food that has deteriorated past the point of sale. They can provide you with lost income protection if you had to shut up your shop because of an event outside your control. If you suffered any damage to your signage, shop window or fixtures and fittings, they can cover the cost of those repairs too.

Insurance ready in minutes

If you’re a skilled butcher, baker or cheese maker your small business pretty much starts and ends with your buildings and stock.

If something happened that meant you couldn’t open, like a freezer failure, fire or flood, you could quickly find yourself in financial hot water. Thankfully, we provide fast specialist food shop insurance precisely with small business owners like you in mind.

Our panel of insurers offer cover for your equipment and tools, and pay out for frozen or chilled food that has deteriorated past the point of sale. They can provide you with lost income protection if you had to shut up your shop because of an event outside your control. If you suffered any damage to your signage, shop window or fixtures and fittings, they can cover the cost of those repairs too.

Key covers

If you employ any staff, including part time and Saturday staff you will need to have Employers’ liability insurance, by law. This comes as standard with other key products, but there are plenty of other covers that you may wish to take. We can arrange protection in just a few minutes, and wrap it up on one simple policy. Similarly, public liability insurance insures you financially if a member of the public is injured or falls ill as a result of being in your shop.

Key covers

If you employ any staff, including part time and Saturday staff you will need to have Employers’ liability insurance, by law.

This comes as standard with other key products, but there are plenty of other covers that you may wish to take. We can arrange protection in just a few minutes, and wrap it up on one simple policy. Similarly, public liability insurance insures you financially if a member of the public is injured or falls ill as a result of being in your shop.

Fishmonger shop insurance

You might be wondering what the price of fish has to do with insurance, but like any owner of a small business, safeguarding the long term health and security of your shop is important, no matter the size. At Small Business Direct, we understand the pressures you face – which is why we keep things simple and help you through the process.

If you and your staff work with sharp utensils or specialist kitchen equipment, such as freezers, you’ll probably want to think about the cost to your business of any injury claim or breakdown repair. Likewise, if a member of the public decided to seek compensation costs following a slip or fall that was the fault of the shop, a tailored insurance package would protect you from any unexpected and costly pay outs.

We can offer plenty more protection too, if you need it. We offer a financial safety net for your contents, fixtures, shop glass, stock and any produce that you transport around. Perfect if you do deliveries or travel to and from market.

Compare quotes!

Fishmonger shop insurance

You might be wondering what the price of fish has to do with insurance, but like any owner of a small business, safeguarding the long term health and security of your shop is important, no matter the size.

At Small Business Direct, we understand the pressures you face – which is why we keep things simple and help you through the process.

If you and your staff work with sharp utensils or specialist kitchen equipment, such as freezers, you’ll probably want to think about the cost to your business of any injury claim or breakdown repair. Likewise, if a member of the public decided to seek compensation costs following a slip or fall that was the fault of the shop, a tailored insurance package would protect you from any unexpected and costly pay outs.

We can offer plenty more protection too, if you need it. We offer a financial safety net for your contents, fixtures, shop glass, stock and any produce that you transport around. Perfect if you do deliveries or travel to and from market.

Compare quotes!

Prepared food shop insurance

Preparing, freezing and selling restaurant-quality ready meals is becoming more and more popular in the UK. Throw in a delivery service too, and you can see why happy customers would keep coming back.

That said, as any small business grows, so do your responsibilities. Injuries to the public, failed freezers, theft or fire damage could well leave you feeling the pinch if you weren’t insured. This is why it’s smart to get the right cover in place to protect your small business. We arrange insurance packages that tick the right boxes for the risks you face, from fixtures and fittings to transporting your supplies.

Compare quotes!

Prepared food shop insurance

Preparing, freezing and selling restaurant-quality ready meals is becoming more and more popular in the UK.

Throw in a delivery service too, and you can see why happy customers would keep coming back.

That said, as any small business grows, so do your responsibilities. Injuries to the public, failed freezers, theft or fire damage could well leave you feeling the pinch if you weren’t insured. This is why it’s smart to get the right cover in place to protect your small business. We arrange insurance packages that tick the right boxes for the risks you face, from fixtures and fittings to transporting your supplies.

Compare quotes!

Butcher shop insurance

As a butcher, meat retailer or halal butcher, your day-to-day contact with customers is the lifeblood of your small business. But in a bustling, often crowded working environment, accidents can happen. A staff member injuring themselves on a knife that was faulty, or an equipment failure would be hard to stomach; and of course the general public are not immune from slips and trips. By taking small business insurance you can protect yourself financially against events like these and add buildings insurance, goods in transit cover, theft of money and business interruption insurance (useful if an insured event meant you couldn’t open your store).

Compare quotes!

Butcher shop insurance

As a butcher, meat retailer or halal butcher, your day-to-day contact with customers is the lifeblood of your small business.

But in a bustling, often crowded working environment, accidents can happen. A staff member injuring themselves on a knife that was faulty, or an equipment failure would be hard to stomach; and of course the general public are not immune from slips and trips. By taking small business insurance you can protect yourself financially against events like these and add buildings insurance, goods in transit cover, theft of money and business interruption insurance (useful if an insured event meant you couldn’t open your store).

Compare quotes!

Greengrocer shop insurance

As a greengrocer, having contact with the public is part and parcel of your daily routine. But have you thought about what could happen if a customer had a fall as a result of a stray item or wet floor? With the rise of ‘no win, no fee’ legal helplines, it’s increasingly common for customers to bring damages claims for injury or damage to property. Whether it’s the public, or anyone you employ (even part-time), if your business turns out to be at fault you would have to bear the costs if you were uninsured. Find out how you can protect your business with a comprehensive cover policy that looks after your stock, your equipment, your storage facilities and theft. To find out more, start your no obligation quote today and see how we can protect your business and livelihood from almost anything.

Compare quotes!

Greengrocer shop insurance

As a greengrocer, having contact with the public is part and parcel of your daily routine.

But have you thought about what could happen if a customer had a fall as a result of a stray item or wet floor? With the rise of ‘no win, no fee’ legal helplines, it’s increasingly common for customers to bring damages claims for injury or damage to property. Whether it’s the public, or anyone you employ (even part-time), if your business turns out to be at fault you would have to bear the costs if you were uninsured. Find out how you can protect your business with a comprehensive cover policy that looks after your stock, your equipment, your storage facilities and theft. To find out more, start your no obligation quote today and see how we can protect your business and livelihood from almost anything.

Compare quotes!

Deli shop insurance

To local, loyal customers and passing foodies, running a deli can seem like the perfect job. But inviting smells and artisanal treats don’t come cheap. At any time, you could have thousands of pounds’ worth of expensive meats and other goods in store. If a chiller failed or you experienced damage from a flood of fire, for example, you could suddenly find yourself hard up against it financially. Insurance packages arranged through us can help give you peace of mind should the worst happen because they can be shaped to fit your particular small business; and if you take full cover, you’ll not only save money, you’ll also be protecting your staff and the public against any costs for damages if there was an injury. There’s even cover available if you need to shut the doors to customers, following an unfortunate event.

Compare quotes!

Deli shop insurance

To local, loyal customers and passing foodies, running a deli can seem like the perfect job.

But inviting smells and artisanal treats don’t come cheap. At any time, you could have thousands of pounds’ worth of expensive meats and other goods in store. If a chiller failed or you experienced damage from a flood of fire, for example, you could suddenly find yourself hard up against it financially. Insurance packages arranged through us can help give you peace of mind should the worst happen because they can be shaped to fit your particular small business; and if you take full cover, you’ll not only save money, you’ll also be protecting your staff and the public against any costs for damages if there was an injury. There’s even cover available if you need to shut the doors to customers, following an unfortunate event.

Compare quotes!

Health, wholefood & organic store insurance

Maintaining the health of your small business involves having a think about the different risks you could be exposed to. As a responsible shop owner looking after the well-being of your customers, it’s good to be prepared. If there was a fire or flood that damaged your stock or displays, you could be looking at a hefty bill. Injuries, while rare, can be expensive too. However, with insurance through us, if a staff member or customer were to take a tumble and decide to sue for their injuries, or any equipment was damaged, you should be covered for the costs of repair or legal fees. We partner with some of the UK’s leading insurance, to deliver simple and easy to understand small business cover. Why not see what your tailored quote looks like?

Compare quotes!

Health, wholefood & organic store insurance

Maintaining the health of your small business involves having a think about the different risks you could be exposed to.

As a responsible shop owner looking after the well-being of your customers, it’s good to be prepared. If there was a fire or flood that damaged your stock or displays, you could be looking at a hefty bill. Injuries, while rare, can be expensive too. However, with insurance through us, if a staff member or customer were to take a tumble and decide to sue for their injuries, or any equipment was damaged, you should be covered for the costs of repair or legal fees. We partner with some of the UK’s leading insurance, to deliver simple and easy to understand small business cover. Why not see what your tailored quote looks like?

Compare quotes!

Sandwich shop & snack bar insurance

As a sandwich shop owner, you look after your staff, your customers and your suppliers. So it’s important to have the necessary cover in case anyone has an accident in your shop or damages their property – and it turns out to be your fault. We can arrange cover that protects you financially from injuries to staff or customers, any goods you move about, broken fixed glass and alarms. When you build an insurance package with us, you can also protect the internal fit out of the shop, any equipment you rely on to prepare food, and cover in case you can’t open to the public. It’s simple, direct, and made to suit you.

Compare quotes!

Sandwich shop & snack bar insurance

As a sandwich shop owner, you look after your staff, your customers and your suppliers.

So it’s important to have the necessary cover in case anyone has an accident in your shop or damages their property – and it turns out to be your fault. We can arrange cover that protects you financially from injuries to staff or customers, any goods you move about, broken fixed glass and alarms. When you build an insurance package with us, you can also protect the internal fit out of the shop, any equipment you rely on to prepare food, and cover in case you can’t open to the public. It’s simple, direct, and made to suit you.

Compare quotes!

Bakery & cake shop insurance

Bakers and cake shop insurance, arranged through us, gives you the freedom to get on with the job, knowing that should an accident happen you won’t be left with a nasty taste in the mouth and a big bill. We can protect your small business from the cost of compensation claims brought by staff members or the public, as well as your goods, your ovens, goods you transport as part of your business and plenty more besides. Try us for size by filling in our online form and getting your personalised, tailored quote today.

Compare quotes!

Bakery & cake shop insurance

Bakers and cake shop insurance, arranged through us, gives you the freedom to get on with the job, knowing that should an accident happen you won’t be left with a nasty taste in the mouth and a big bill.

We can protect your small business from the cost of compensation claims brought by staff members or the public, as well as your goods, your ovens, goods you transport as part of your business and plenty more besides. Try us for size by filling in our online form and getting your personalised, tailored quote today.

Compare quotes!

FAQs

What is deterioration of stock insurance?

Deterioration of stock insurance (or frozen food insurance) is designed to compensate your business in the event of damage to stock following breakdown of refrigeration equipment.

What is tobacco wines & spirits insurance?

It’s designed to cover you in the event of loss, damage or theft. This cover is taken separately to general stock insurance as these items tend to be high value.

View all FAQs

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