What is butchers insurance?
Your butchers, covered in minutes
As a butchers your business focuses around meat; you may perform primary butchery, or secondary butchery, preparing fresh cuts of meat for sale in your shop. As is also often also the case you might sell and serve pre-prepared hot and cold food. No matter the exact products you sell as a butcher you’ll understand the need for insurance. As the owner of a butchers shop the last thing you want to worry about is the risks of the job. There’s always a chance of possible loss, damage or theft of your equipment, damage to your kitchens, or an expensive claim if an employee or member of the public is injured or worse due to your work. Working in a profession which uses sharp utensils also poses a risk to you or another person. That’s why it’s important to manage these risks and keep your business safe with a tailored Butchers Insurance policy.
Our comprehensive and tailored butcher’s insurance policies are designed to be flexible, allowing you to create a tailored insurance package just the way you want it, giving you essential cover all in one policy.
What your butchers shop insurance policy includes
Public Liability insurance
Public Liability insurance is available with various levels of cover ranging from £1m, £2m, and £5m. Public Liability insurance is important as it helps to protect you if a member of the public gets hurt or injured whilst on your premises.
Buildings and Contents cover
Buildings and Contents cover will protect the sums insured to match the levels of protection you need. Cover can include glass windows and display units, shop fronts, signs and much more. Should your business premises be damaged then your contents may well be damaged too therefore it’s important to have adequate cover.
Product liability insurance for butchers
As a butcher you serve and sell customers meat amongst other things, meaning you’ll want product liability insurance in place should the goods you sell harm your customers – with cover available up to £5m.
Employer’s liability insurance
Employer’s liability insurance is a legal obligation to have if you employ permanent or temporary members of staff. As an employer it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees.
Butchers Contents and Stock insurance
Contents and Stock cover can protect the loss of stock, customer goods, staff and customers’ personal effects, fixtures and fittings, computer and electronic business equipment, and helps to enable you to replace all the above in the event of a claim.
Business Interruption, Cash on Premises, and Goods in Transit
Business Interruption, Cash on Premises, and Goods in Transit are further add-ons that can be increased or decreased as required making sure your insurance is just what you need.
Why you need butchers insurance
As a shop owner, you are at risk from many eventualities; from malicious damage to theft of stock by burglary or theft of monies by an employee. All of these risks factors need to be considered when looking for a comprehensive retail shop insurance policy that covers your butchers business. To help ensure that your business is highly profitable you need to protect it and yourself from financial loss.
Insurance in the form of Butchers Insurance can also protect you against compensation claims and legal expenses. Even if you win a case, legal fees can be considerable so it is important for your financial success that you are covered by public & employers liability insurance.
Choosing the right insurance package that suits your business and any additional items you may require – for example public and employers liability insurance, equipment cover or stock and contents insurance – should be simple and easy, that’s why The Insurance Octopus will look to put a policy together for you quickly and simply to get you covered as soon as possible.
Arrange your cover today
One of our shop or retail insurance specialists will discuss your business requirements with you and look to compare quotes from major UK insurance providers ensuring that you get a bespoke policy with the cover you need at the right price. In most cases, we can provide you with your business insurance and documents on the same day (subject to time of day restrictions).
Butcher insurance policy details
Our tailored cover allows us to add cover for contents insurance, fixtures and fittings and stock items and more. We can also offer to provide cover with a range of flexible payment options available, such as Direct Debit enabling you to spread your payments.
Why choose The Insurance Octopus to insure your butchers?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Butcher Shop Insurance FAQ's
Get the answers you're looking for
How quickly can insurance for butchers be arranged?
Insurance for your butcher's shop is as easy as picking up the phone. We do the rest of the work for you – all we need is the full details, the level of cover you require and how soon you need it. Insurance can even be completed immediately over the phone, giving your business the cover you need before you even end the call.
How do I know what insurance my butcher's shop needs?
The requirements for insurance in your butcher's shop may vary based on a variety of different factors; from the level of stock you hold on-site to the value of the store itself, and even whether or not you have employees that work within the site. Speak to our experts to discover which insurance is best for your business, and we can provide you with a personalised quote in no time.
Can you cover my butchers for personal accidents?
We can provide personal accident cover which will provide cover if you suffer serious injury or death caused by an accident. It can help by paying out a weekly sum to help cover things like lost income and medical costs and in some cases a lump sum payout if you're unable to continue working.
How it works
Examples of Butchers Shop Insurance in action
Keeping the windows covered
The front window of a butcher shop is damaged during an altercation between members of the public outside the premises, resulting in the need to replace both the old-fashioned glass and valuable vintage display across the window display that have been a feature of the store for many years. Thanks to full buildings and contents cover on the property, the butcher is able to replace the window and update the display with new items with only a small excess to pay.