Insurance for Grocery Stores

Keep grocery stores protected from loss with proper insurance coverage designed around their business.

Grocery stores provide an invaluable service to their neighborhoods and communities; however, accidents are bound to happen. Falls from wet floors, a fender bender in the parking lot, a butcher cutting his or her hand - these are just a few of the incidents that can occur at a grocery store on any given day. Help clients who own grocery stores protect their valuable investment by exploring coverage to fit this unique market. 

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Grocery Store Coverage

Clients in the grocery business should consider the following to protect their investment:

  • General Liability – Covers property damage and bodily injury from third party claimants.
  • Premises Liability – Similar to general liability, premises liability protects the store if someone is injured while on the business premises and carries more coverage than general liability.
  • Product Liability - Protects the grocery store if someone becomes sick from a product the store sells.
  • Commercial Auto - Covers grocery store owners and employees in the case of bodily injury when driving for work-related business, such as deliveries.
  • Cyber & Privacy Liability - Covers against claims of data breech when customer's personal information is compromised.
  • Liquor Liability - Protects from incidents involving alcohol, if the store sells alcohol.
  • Worker’s Comp - Protects grocery store employees if they become sick or injured in an accident on the job. This will pay for medical costs and lost wages.