- Home
- Business insurance
- Retail insurance
- Supermarket insurance
Supermarket insurance
Protect stock, equipment, staff, and customers
Stay covered against claims, breakdowns, and disruptions
Get the right protection at the right price with Radius
Helping businesses with insurance for over 70 years
Finding you the best cover
We have a panel of 120 insurers to discover suitable quotes and tailored cover for your needs.
Experts
Our team of insurance specialists have more than 70 years of experience in the industry.
Personalised cover
Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.
More than just insurance
Radius offers telecoms, fuel cards, telematics, insurance, electric vehicle charging, energy and vehicle solutions to businesses across five continents.
Search our panel of insurance providers to find competitive cover
We work with a range of retail insurers from household names to small specialist insurers to find the best policy for your business.
Three simple steps
The fact find
Complete the online question set or speak to one of our agents.
Search the market
We identify the policy that best suits your business requirements.
Your business insured
Complete your insurance purchase online in minutes or over the phone.
Get a quote
Is supermarket insurance important?
Managing employees. Handling stock. Serving customers. Maintaining the premises. Running a supermarket involves these elements – and they all come with risks. Everything from equipment breakdowns to liability claims can result in significant monetary losses. At least, that’s the case if you don’t have supermarket insurance as a financial safety net.
This specialist insurance supplies essential protection, giving you the platform to recover from incidents quickly. Whether it’s safeguarding stock or covering staff injuries, insurance offers financial security and peace of mind. It’s a shield against the unique risks your supermarket faces daily.
Benefits of supermarket insurance
- Comprehensive risk protection: Supermarkets face multiple risks. From customer injuries to equipment failure, insurance covers all major threats – and reduces financial uncertainty at the same time.
- Stock and equipment coverage: Supermarket shelves are stocked with perishable and high-value goods. Insurance covers the losses in the case of theft, spoilage, or damage due to unforeseen events.
- Security against claims: The combination of high foot traffic and a busy work environment equals one thing: liability claims are common. Insurance assists in covering compensation costs and legal fees.
- Financial stability from business interruptions: Fires. Floods. Power failures. Interruptions like these can halt operations. Supermarket insurance can cover lost revenue, and your financial stability remains intact.
- Meets legal and lease requirements: Landlords and business regulations often require insurance. Having the right coverage not only guarantees compliance but also helps avoid penalties.
- Peace of mind: When you insure supermarket operations, you know your business is protected. It allows you to focus on operations without worrying about unexpected financial setbacks.
Supermarket insurance: What coverage is included?
Public liability insurance
Shoppers regularly visit supermarkets and convenience stores. Naturally, this increases the risk of accidents. Public liability covers claims if a customer is injured or their property’s damaged.
Employer' liability insurance
This insurance covers workplace injuries and illness claims from employees. A mandatory requirement for any business with staff, it protects against costly legal cases.
Contents insurance
Protects perishable and non-perishable goods from damage, theft, or spoilage due to equipment failure. By doing so, this insurance ensures financial losses are minimised.
Business interruption insurance
There’s always a possibility your supermarket faces an unexpected closure due to issues like fires and storms. Business interruption insurance covers lost income and operating costs.
Engineering and inspection
Supermarkets depend on essential equipment such as refrigeration units, tills, and self-checkout systems. While this insurance can cover repair or replacement costs if key equipment fails, this cover is offered as an optional extra.
Commercial property insurance
Say a supermarket is damaged due to the likes of accidental events or vandalism. Commercial property insurance covers the damage caused to the building, fixtures, and fittings.
Convenience store and greengrocers insurance
While smaller than supermarkets, both convenience stores and greengrocers require similar coverage against risks. Daily customer interactions mean public liability insurance remains crucial, as does contents insurance for protecting perishable and high-turnover inventory. Furthermore, equipment breakdown and business interruption insurance are other necessary additions.
With greengrocers and convenience store insurance, employers’ liability insurance is also usually required. However, this is not the case for solo operations. Leased buildings may not require commercial property insurance either.
Even with a smaller footprint, greengrocers and convenience stores still require comprehensive insurance to stay protected against everyday risks.
Compare supermarket insurance quotes with Radius
Securing the right insurance for your supermarket is about more than simply ticking boxes. It’s about securing financial protection and business continuity at the right price. Here at Radius, we work with a 120-insurer strong panel to secure bespoke coverage to match your needs.
Whether you run a large supermarket or a modest convenience store, we’ll help you find the right policy. You get the right level of coverage for your business needs and size. Get in touch today to compare quotes from leading providers and safeguard your business with expert-backed insurance solutions.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
What insurance does a supermarket need?
How much does supermarket insurance cost?
Does supermarket insurance cover food spoilage?
Take control of more than just supermarket insurance
Business expense management
Radius' software integrates with over 20 accounting and ERP systems. Automate administrative tasks now to save time.
Invoice management
Free app to make claims on the go
Business energy
We have extensive knowledge of the energy supply industry and can identify the best opportunities for savings.
98% of our clients stay with us
Find the best gas and electricity deal for you
Partnership
Why choose Radius?
With innovative solutions built around the needs of our customers, we've established an international reputation for helping businesses grow sustainably.
Expertise
Our team has over 35 years of experience helping more than 445,000 customers globally.
Trust
We are an internationally-acclaimed provider with numerous awards for our products and services.
Choice
Choose from our range of fleet, mobility and connectivity solutions that can be tailored to suit your needs.
Solutions
Use our award-winning technology and services to save your business time and money.
Need help?
Can’t find what you are looking for?
The customer support team at Radius has a global reach with over 50 offices to offer local contact with an international presence. Let us know how we can help.
Contact us
UK Fuels, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.