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Butcher Shop Insurance
Compare Butchers’ insurance
Tailored business insurance for your butcher's shop
Protect against claims made by customers, employees and the public
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic provides business insurance for small business, like butcher shops
Get tailored cover to protect against claims from employees, customers & more
Get the protection you need with no unnecessary extras that you don’t want
What is...
butcher's insurance?
From chops and steaks to scotch eggs and ready-to-go items, if you’re selling local produce to customers, you should consider protecting your butcher’s business with the right insurance.
It’s not easy to know when a power outage might strike and cause thousands of pounds worth of stock to get spoiled. Similarly, you can’t prevent the risk of a customer getting sick from some meat you’ve sold them. But, you can protect against it.
Butcher’s insurance offers a shoulder to lean on and helps you financially with sorting out claims and legal fees so you can focus on what’s important - serving happy customers and bringing home the bacon.
What type of butchers can be covered?
Not all butchers operate exactly the same way, whether you own a local shop in a small town or sell to restaurants across the country, we can help you. We‘re able to support the following small to medium businesses:
- Traditional butchers
- Commercial butchers
- Fishmongers
Why do butchers need insurance?
If you’re preparing food and serving it to customers, especially raw meat, there are many risks you might run into that can’t always be prevented. For example:
- A customer claims they get food poisoning from meat products you’ve sold them
- A fire or disaster causes material damage
- A customer slips in your butcher’s shop
- An employee gets injured while working
- It’s the law to have employer’s liability insurance if you have any employees
What does butcher’s insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others.
Business equipment insurance
Protects your essential tools and equipment from theft or damages due to an insured event
Business interruption insurance
To provide compensation if a listed event stops your business from running normally.
Product Liability Insurance
In case any meat or other food or drink items you sell cause harm to a customer
What doesn’t it cover?
Even if you have the right cover, not all events may be covered in your policies, including:
- Deliberate events that purposefully lead to injury, illness or damages
- Injuries/damages from business activities that happen when travelling outside the UK
- General wear and tear of your machinery or equipment
Remember, every insurer is different, and policies vary per provider so always check your policy wording for details of what’s included and excluded.
How much does butcher’s shop insurance cost?
Every business is different, so costs are likely to vary based on the individual needs of your business, but also where it’s located, the policies you take out and previous claims history.
Are you covered if your stock spoils?
If your stock spoils due to a temperature change from a power outage or faulty system, you’ll be unable to sell it - leaving you out of pocket. Deterioration of stock cover is an option which provides financial protection when ‘perishable stock’ spoils as a result of an insured event, like thermostat malfunctions or power cuts.
This is separate cover compared to standard stock insurance. Limits and exclusions apply.
You’ll also need to declare the correct value of your stock for this type of policy, so make sure you’ve got your inventory paperwork handy when speaking to a broker about this option.
If you use a van, do you need separate insurance?
In the UK, if you use a vehicle for business purposes you need commercial vehicle insurance by law. We don’t currently offer this at Bionic, but it’s likely we can still insure your butcher’s shop.
Get butcher shop insurance sorted with Bionic
At Bionic, we support and champion UK business owners and want to help in every way we can. We work with a panel of trusted insurers to provide insurance options for UK small to medium businesses.
We focus on getting you the right cover, whatever your business story. Get in touch with us today by starting a quote online and compare business insurance quotes.
Butcher shop insurance could protect your business from meat spoilage, equipment issues, and liability claims, so you can focus on serving up the goods.
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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