Shops & Trades Insurance

Convenience Store Insurance

Comprehensive protection for convenience stores, mini-markets, and local shops. From symbol group members to independent retailers, we arrange tailored cover for the unique risks of convenience retailing.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Convenience Store Insurance Cover?

Convenience store insurance combines several covers to protect your premises, stock, and extended trading operations. Typical coverage includes:

Buildings Insurance

Protection for your store premises against fire, flood, storm, and other insured perils. Essential if you own the freehold.

Contents & Equipment

Cover for shelving, refrigeration units, freezers, EPOS systems, and all shop fittings and equipment.

Stock Insurance

Protection for your entire stock range including groceries, alcohol, tobacco, and chilled goods against damage and theft.

Refrigeration & Freezer Stock

Cover for loss of chilled and frozen stock due to refrigeration breakdown or power failure.

Business Interruption

Replacement of lost gross profit if you can't trade due to an insured event, covering rent, wages, and lost income.

Public Liability

Protection if a customer is injured at your premises, including slips and trips – typically £2m-£5m cover.

Employers' Liability

Legally required if you have staff – covers claims from employees injured at work. Minimum £5m, typically £10m.

Money Cover

Protection for cash on premises, in tills, ATM takings, in transit to the bank, and in a safe overnight.

Alcohol & Tobacco Stock

Enhanced cover for high-value alcohol and tobacco stock with specific security requirements.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Convenience Expertise

Understanding of the specific risks facing convenience stores including extended hours and high-value stock.

Tailored Cover

Policies matched to your specific operation, from symbol group stores to independent retailers.

Claims Support

Dedicated support to help you through the claims process and minimise trading disruption.

Market Access

Access to specialist retail insurers who understand the convenience sector.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Independent convenience stores
Symbol group members (Spar, Nisa, Londis, etc.)
Mini-markets and local shops
Petrol station forecourt shops
24-hour convenience stores
Mixed retail with grocery focus

What We'll Need for Your Quote

1
Store address and type of premises
2
Whether you own or lease the premises
3
Buildings rebuild value (if applicable)
4
Contents and stock values (including alcohol and tobacco)
5
Annual turnover/gross profit
6
Number of employees
7
Trading hours (including late night/24-hour)
8
Security measures in place
9
Claims history for the past 5 years

Get Your Quote

Frequently Asked Questions

Does convenience store insurance cover alcohol and tobacco theft?

Yes, but these are considered high-risk stock. Insurers require specific security measures including secure storage, CCTV, and may require shutters or enhanced alarm systems. Stock limits may apply.

What if my freezers break down and I lose stock?

Refrigeration breakdown cover protects against loss of chilled and frozen stock due to equipment failure. This is typically an optional extra but essential for stores with significant chilled/frozen ranges.

Does 24-hour trading affect my premium?

Yes, extended trading hours typically increase premiums due to higher risk. Insurers will want to know your exact trading hours and may require additional security measures for late-night trading.

Am I covered for delivery driver accidents?

If you offer home delivery, public liability covers claims from customers. If you employ delivery drivers, you need employers' liability. Vehicles need separate commercial motor insurance.

What security do insurers require?

Requirements vary by location and risk but typically include intruder alarms, CCTV, secure tobacco storage, and may require shutters or grilles. Higher-risk locations may need additional measures.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.