What is a greengrocer?

Greengrocers own and operate small shops that primarily sell fruits, vegetables, other plant-based products and sometimes flowers or plants. These businesses are typically small and serve fresh produce and all your daily essentials to local communities in their area.

Do greengrocers and supermarkets need business insurance?

Greengrocers and supermarkets need insurance to protect them in case an accident should happen. As a greengrocer you will interact with members of the public daily, so you’ll need insurance coverage to handle any claims brought against you if someone gets accidentally injured or falls ill thanks to your business or its products. If you employ people to work in your shop, you’ll also need the proper insurance, Employer’s Liability, that’s required by law.


What kind of insurance do I need for my greengrocers or supermarket?

There are a few different types of insurance you’ll need to consider as a greengrocer.

Contents insurance

This is there to make sure that if you have stock, it’s protected against the likes of accidental damage cover. Your content’s fixtures and fitting will also be covered.

Find out more about contents insurance

Public and product liability insurance

This covers you for single incidents where a customer or member of the public is accidentally injured in your store, or if someone gets injured as a result of a product you’ve sold, for example. Or, if someone’s property is damaged due to your business’ activities or products. We’ll cover you for up to £5 million as standard under our policy.

Find out more

Employers’ liability insurance

This is a legal requirement for all businesses with employees, as it’s there to protect your employees in case they get injured and fall ill as a result of working for you. We know that employees are the backbone of your business and that’s why we’ll pay up to £10m for compensation and legal costs to defend a claim made against the insured.

Find out more about employers liability insurance

Supermarket and greengrocer insurance FAQs

How much does insurance for greengrocers cost?

When it comes to figuring out how much your premium will be, we look at a lot of factors that are unique to the business you run. For example, we look at:

  • If you employ staff, and how many you employee
  • Where your business premises are located
  • Whether or not you sell any items outside of produce
  • The value of your contents and stock

Since your policy will be tailored to your business, the price you pay will be unique to you, no-one else. The quickest way to find out your is to start a quote. Plus, get your quote online and you’ll save 10%* on the cost of your policy.

Are supermarkets and greengrocers the same?

Though there are several similarities between supermarkets and greengrocers, these two businesses are different.

Greengrocers are typically smaller business that have only one location and serve the local community. These stores tend to have a single owner or be family-run businesses and specialise in fresh fruits, vegetables and other green produces as well as occasionally flowers or plants.

Supermarkets, on the other hand, also sell fresh product, these stores also tend to sell a much wider variety of food, home goods and sometimes clothing or electrical goods.

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*This discount is applied automatically and lasts for the lifetime of your policy.