Butcher Shop Insurance

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

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

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.

Prices could start from around 82p per day*.

Your costs will vary depending on several factors, including: where your business is located, the cover you take out and your claims history. Start a quote online or get in touch with a member of our insurance team to find out how much you’re looking to pay for butcher shop insurance.

_{*This price is for a shops and salons policy  – 10% of customers who were sold with one of our panel providers paid £300.23 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £25.02 a month or £0.82 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

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.

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. 

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.