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Do You Need Convenience Store Insurance If You Only Sell Newspapers and Snacks?
Running a small newsagent or corner shop that mainly sells newspapers, snacks, and drinks might seem simple. However, even small stores can face…
Farm ShopInsurance
Farm Shop Insurance
Public liability and stock cover built for farm shops, including the chillers and cold rooms your produce depends on.
Public liability and stock cover built for farm shops, including the chillers and cold rooms your produce depends on.
Perishable produceRefrigeration breakdownFood you sell
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is farm shop insurance?
Farm shop insurance is a combination of covers built around selling fresh and perishable produce: public liability for customer injury, stock cover, and employers’ liability if you have staff.
If a chiller or freezer fails, the stock inside it can be lost in hours. Deterioration of stock cover pays for what spoils when refrigeration breaks down or the power goes off. Tell us what cold storage you have and roughly what sits in it at peak.
The right farm shop cover depends on:
Cold rooms and refrigerated storageCafé or catering on siteSeasonal trading patternsNumber of staffStock value
Cover built for how farm shops actually trade
Cover built for how farm shops actually trade
Most farm shops combine public liability, product liability and employers’ liability, then add cover for the extras.
Most farm shops combine public liability, product liability and employers’ liability, then add cover for the extras.
Public Liability
Covers claims if a customer or member of the public is injured or their property is damaged.
Product Liability
Covers claims if produce or products you’ve sold cause harm.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Business Contents
Covers fixtures, fittings and equipment at your shop.
Business Interruption
Helps with lost income if an insured event stops you trading.
Deterioration of Stock
Covers stock that spoils when a chiller or freezer breaks down or the power goes off.
Getting your farm shop cover right
Getting your farm shop cover right
A pure retail farm shop and one with a café or large cold rooms carry different risks.
A pure retail farm shop and one with a café or large cold rooms carry different risks.
Review what you sell
Think about your peak stock value, including what sits in chillers and freezers.
Review your extras
Consider any café or catering alongside the shop.
Review your location
Rural or remote sites can affect emergency response times.
Review your seasons
Check how seasonal trading affects your stock and cover.
Review regularly
Revisit your cover as your business grows.
Every farm shop trades differently
Every farm shop trades differently
Cover depends on what you sell, whether you run a café alongside the shop, and how much stock you hold in cold storage.
Cover depends on what you sell, whether you run a café alongside the shop, and how much stock you hold in cold storage.
How to get farm shop insurance
How to get farm shop insurance
Getting farm shop insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting farm shop insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your shop
What you sell, your cold storage, and any extras like a café.
2
Choose your covers
Public liability, product liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Farm shop insurance guides
Farm shop insurance guides
Practical advice on cover, extras and staying protected.
Practical advice on cover, extras and staying protected.
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Farm shop insurance FAQs
Farm shop insurance FAQs
Straight answers on cover, extras and cost.
Straight answers on cover, extras and cost.
Farm shop insurance is a combination of covers built around selling fresh and perishable produce: public liability for customer injury, stock cover, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.